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I'm just giving you a call to go through that annual review, and I just wanna double check if if you're expecting the call in half an hour with the time difference per se. Yeah. Perfect. Do you want me to give you a callback in half an hour or is now a good time? Yeah. Perfect. Awesome. So before I begin, man, I've got a bit of an annual review pack to email through to you. And I'm just gonna do the usual security check while I send that through. So I'm registered with Atticus adviser one two seven three one zero five. We don't have a security question on file. Could I confirm your date of birth and address, please? Sensational. And I've got your email address as seandachau@hotmail.com. Is that still current? Amazing. Alright. So I've got a bit of a pack I'm sending out through to you now. Will you be able to look onto the emails with me, or should I just walk you through what's coming? Yep. No worries at all. Now is there anything in particular to this review that you want me to focus on, mate? Anything that sort of changed for you guys? I I know that there hasn't been much changes in your circumstance. Absolutely. So what I'll do for this review, just with our new system, I'm gonna double check with a few of these details just to make sure it's accurate, and I'll run through that super firsthand. Then we'll just run through a quick update on the insurances, the beneficiaries, and then I can pretty much let you go. Awesome. So I just wanted to quickly start with the the previous goals there because from what I could see, there's a bit of a focus on obviously getting, like, fully qualified in your role and then, like, buying a piece of land, building on it, paying it off, traveling Australia, that kind of thing. Does that sound about right? September. Sensational. Oh, no. Okay. When that's done, do you know what you're expecting the income to change to? Perfect. Fantastic. So I had you set at about $65 a year. You'll say 900 a shift. Is that, like, five shifts a week, or how could I work that out? Yep. And fourteen days straight for the two on or yep. Okay. It's a pretty big one there. So we'll go actually, I'll work that out in the background there. Two on, one off, 900 a shift. And done. And it's just fittering, so nothing different there. Drill fit. That's it. We had pulling apart and building drill rigs, fabrication maintenance for Boats, long year currently. Yep. Sensational. Just quickly on the assets and liabilities there, mate, and I've got your suit coming through now. We had the Hilux, the Commodore, and the T Bird as the vehicles. Cool. Investment property for about a $150, a bit in savings of debt. Cool. Savings was set at 38,000. Have you managed to sort of build that up? Has it gone down? What's it been like for you? Yeah. Man, I've heard that a few times this year, and it's it's never fun. I have buried the missus dog two years ago and wasn't a good time, and the vets, they're not they're not cheap. Alright. What do you want me to put the savings down to about $10.15? Or Yeah. Yep. No worries. Thank you for that. Alrighty. So I'll go through the super with you. Do you log in and have a look every now and then, or is this report kind of a bit of an update for you? Yep. Sensational. So, basically, you pointed out before what was going on in the world. That caused a drop around about Christmas till March in the super. So the easiest way I can explain it for your account is you were sitting at $210 a year ago. It went up, and then it went down to 200 flat in March, and it bounced back up to $2.30, $2.29 $8.05 9 as of today. So 20 down then 30 back up. Cool. So yeah. I was expecting the high growth funds to be down a bit more, but it's in positive about four or 5%. So we've definitely pulled out a little bit compared to where it was. A lot of high growth funds are still in the negative at the moment. Oh, I'm good. Now with the the high growth, obviously, the whole idea there is growing super as much as you can. You've got the majority of your funds in shares property gold, you know, 90%. That goes up and down like a roller coaster. At some point, we do have to reduce the risk because you don't wanna be high growth at 64, and then if stock market wipes out half your super day before you retire. Does that make sense? Yes. Cool. Now that's a a pretty good picture actually because you've built up the funds that you have, That level of volatility where it goes up and down $20.30 grand every few months, that's pretty common because it's all percentage back, and it's going up and down ten, twenty, 30% a year. Now with your goals, obviously, a bit slow and steady towards 67 there, and you've got a bit of time up your sleeve. What are your thoughts just on, like, you know, that cycle tends to repeat itself every five to seven years where it grows and crashes, grows and crashes. Are you comfortable with how it's been playing out for you? Yep. There is a bit of an engine tune up that I do wanna do if that's okay. So even though I may not change the the risk category, we'll keep you as high growth for the time being. Out of all the eight options that you've got, seven of them have all gone up double digits for the year, and one of them has been down a bit. Normally, one out of seven being down is not really much of an issue, but this one in particular has kind of dropped a lot further than all the other Australian options and the Australian market. It's a Benelon option, and it's had a bit faster drop than I would have expected compared to the other ones, if that makes sense. So what that basically means for you is, yep, it's still up positive for the year, but rather than just sitting there watching that one and waiting for it to come back, I'm actually proposing to replace that option sooner rather than later. Cool. Yep. I've already done some research with the investment committee, and we've got a few up our sleeves that we've been looking at. The only question I've got for you is you can basically choose between low fee funds, passive, that follows the market very, very closely, or you pay a bit higher fees to try and get a higher return. There's no wrong answer to this question. It just helps me whittle it down, but do you have a gut feeling on where you lean between the two? Well, the funny thing about that is I've had some options that are pretty much neck and neck. So it really just about how it behaves. So you've currently got seven options that are passive low fee, one option that is a bit higher fees, that one's been underperforming. I can either switch it out like for like, or I can go something with a bit lower fees and better performance as well. Yep. I'll give that a bit of a switch in for you. As usual, I'll update your advice document and actually show you the differences between before you sign up on it. So just give me about a week or two just to put together some comparisons and get you booked in for that brief catch up with me. Now the last couple of things I wanted to run on on your hub account is just in terms of the beneficiary. I don't see anything listed on there currently. Will you did you have someone in mind that we were trying to leave this purpose? So I've got a bit of an idea there. Previous partner was Colette. Yep. Okay. So I'm assuming you want me to take her off as your emergency contact with us. Yep. Sort that out. With the beneficiaries, so they're basically for financial dependence, like a spouse, children, any someone that you're looking after living with you kind of thing. You can do your old man in a sense, but you've got to kind of aim your super at your estate, like a will, and have, like, a will put in place. Yeah. No. That's alright. You have to think about it. I'll include the usual reminders in the advice document just about, like, hey. If you get a will sorted, you do a a kit at the post office for $25. We can aim the super in that direction. And that way, you know, the will says wherever it goes. But the one that's a bit different, that's a bit easier for you is the life insurance. So that can go anywhere because it's just a straight up life policy. You pass away, this person gets 290,000. Do you want me to nominate him for that one? Yes, please. Yep. Cool. So what I'll do is I will get the team to send out beneficiary forms for Tal to update that with a bit of a cover letter with an explanation. Are you okay for us to email them to print them out, or would you want us to post them there with a return envelope? What's easy for you? Of course. Absolutely done. That'll come out there. I would normally send you a hub beneficiary along with it, but I don't want you to accidentally put the wrong thing down. Do you want me to send it there while you give it a think, or do you want me to hold off on that until you've given it some thought? Okay. Yep. Cool. Alright. So I'll send both forms down. When you get them, just give us a buzz and we can kind of walk you through it a little bit, what your options are. For tel and hub. Easy done. And the last thing is just with those insurances, so you've got one policy that you're paying for out of pocket that would just come out two weeks ago for, that's your trauma cover. So $50 for side effects, stroke, and cancer. That's set to a yearly premium. I just wanted to see, like, it's a 156. Was that okay? Is it is it jumped up too much for you? Are you okay to keep that one going? Yeah. So the way it kind of steps out is, like, life insurance. Self explanatory. You pass away, there's a lump sum. PPD is if you can never work again, you know, you do get back and you're not going back to work, here's a lump sum, you know, pay up the mortgage or whatever it is. Income protection is like you're off work for six months because you're sick or injured and you need to keep the repayments going. And trauma is basically like you've had a heart attack. You might be straight back to work the next day, but here's $50 so you can go to, you know, the right specialist, take a bit of time to, you know, settle into things. But, yeah, it's heart attack, stroke, cancer. And because you've got the the plus version, it gives you every other diagnosable thing under the sun. Not to overcomplicate it, but the big one is heart attack stroke with cancer. This also does, like, deafness, blindness, organ failure, major burns, bacterial meningitis in your eye, like, a list of about fifty, seventy different things. And so as long as that one's affordable. So the next anniversary, you'll get a notice in May of next year. And if it jumps up too much, just give us a bell and we can all alter it. But you pretty much, I believe, paid for the year already. Yeah. Yep. Got about $1.05 6 here, so that should be good. With the the life of TPD, the 290,000, we'll send that to the old man. Obviously, TPD is for you. Now it's pretty pretty low price policy you've got here, which is looking really good, but I just wanna double check, obviously, the purpose of it so I can note that on file. You don't have any debts that I can see of it at this time, but you are intending to, you know, build a property and so on. So are we just sort of keeping that for you know, if you can ever work again, here's a bit of a lump sum to get you by And also for when you do get a mortgage. Cool. Last one. Absolute last one is just the income protection. So four week wait, if you're out of work for a month, it kicks in, pays you monthly for up to five years, and you've got 3,261 a month cover, which protects an income of about 56,000. Just bear in mind that if you're about to jump up, we may have to review that when you get the next role. Yep. The other thing too is if your next role is qualified, that may improve the cost as well. They may give you a better occupation rate. K? So if you're okay with that, what I basically wanna do is just update your your super portfolio over the next couple of weeks with you and sort out the beneficiaries. And then in a few months time, I was wanting to give you a buzz just to see if you got into that new role. I can maybe alter things and and sort that out in a few months time. K. Would you prefer that in three months or just wait for Christmas time? What's easier for you? I know you're a busy man. Yep. Easy done. Six months time, Christmas. We'll do the super in a couple of weeks, and that's easy done. Any questions for me so far? Fantastic. So that pack I've sent out to you, that includes all the reports for the super and the insurance, updated service guide with a lot of license info, privacy policy, as well as an updated service agreement as well. Just bear in mind, Sean, it's the exact same phase as last year, 1.65% spread throughout the year. But next year, we're bringing in a tiered structure to everyone above $200, which you are. They're gonna start getting some step down discounts next year. Cool. So I'll put this one through as is for now. In six months time, we'll sort the insurance out with a new job, and then next year's review will be on that new structure. Amazing, mate. If you have any questions in between, give us a bell. If not, keep an ear out for the team in a couple of weeks when you get those beneficiaries and just for that portfolio update. Awesome. Anything I can do before I let you go? Alright. Sean, appreciate you taking the time today, mate, and I shall talk to you in a couple of weeks. You too. 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It's Tom here, senior adviser of. How are you doing? Living the dream so far. It's been fantastic.\n\nI'm just giving you a call to go through that annual review, and I just wanna double check if if you're expecting the call in half an hour with the time difference per se. Yeah. Perfect. Do you want me to give you a callback in half an hour or is now a good time? Yeah.\n\nPerfect. Awesome. So before I begin, man, I've got a bit of an annual review pack to email through to you. And I'm just gonna do the usual security check while I send that through. So I'm registered with Atticus adviser one two seven three one zero five.\n\nWe don't have a security question on file. Could I confirm your date of birth and address, please? Sensational. And I've got your email address as seandachau@hotmail.com. Is that still current?\n\nAmazing. Alright. So I've got a bit of a pack I'm sending out through to you now. Will you be able to look onto the emails with me, or should I just walk you through what's coming? Yep.\n\nNo worries at all. Now is there anything in particular to this review that you want me to focus on, mate? Anything that sort of changed for you guys? I I know that there hasn't been much changes in your circumstance. Absolutely.\n\nSo what I'll do for this review, just with our new system, I'm gonna double check with a few of these details just to make sure it's accurate, and I'll run through that super firsthand. Then we'll just run through a quick update on the insurances, the beneficiaries, and then I can pretty much let you go. Awesome. So I just wanted to quickly start with the the previous goals there because from what I could see, there's a bit of a focus on obviously getting, like, fully qualified in your role and then, like, buying a piece of land, building on it, paying it off, traveling Australia, that kind of thing. Does that sound about right?\n\nSeptember. Sensational. Oh, no. Okay. When that's done, do you know what you're expecting the income to change to?\n\nPerfect. Fantastic. So I had you set at about $65 a year. You'll say 900 a shift. Is that, like, five shifts a week, or how could I work that out?\n\nYep. And fourteen days straight for the two on or yep. Okay. It's a pretty big one there. So we'll go actually, I'll work that out in the background there.\n\nTwo on, one off, 900 a shift. And done. And it's just fittering, so nothing different there. Drill fit. That's it.\n\nWe had pulling apart and building drill rigs, fabrication maintenance for Boats, long year currently. Yep. Sensational. Just quickly on the assets and liabilities there, mate, and I've got your suit coming through now. We had the Hilux, the Commodore, and the T Bird as the vehicles.\n\nCool. Investment property for about a $150, a bit in savings of debt. Cool. Savings was set at 38,000. Have you managed to sort of build that up?\n\nHas it gone down? What's it been like for you? Yeah. Man, I've heard that a few times this year, and it's it's never fun. I have buried the missus dog two years ago and wasn't a good time, and the vets, they're not they're not cheap.\n\nAlright. What do you want me to put the savings down to about $10.15? Or Yeah. Yep. No worries.\n\nThank you for that. Alrighty. So I'll go through the super with you. Do you log in and have a look every now and then, or is this report kind of a bit of an update for you? Yep.\n\nSensational. So, basically, you pointed out before what was going on in the world. That caused a drop around about Christmas till March in the super. So the easiest way I can explain it for your account is you were sitting at $210 a year ago. It went up, and then it went down to 200 flat in March, and it bounced back up to $2.30, $2.29 $8.05 9 as of today.\n\nSo 20 down then 30 back up. Cool. So yeah. I was expecting the high growth funds to be down a bit more, but it's in positive about four or 5%. So we've definitely pulled out a little bit compared to where it was.\n\nA lot of high growth funds are still in the negative at the moment. Oh, I'm good. Now with the the high growth, obviously, the whole idea there is growing super as much as you can. You've got the majority of your funds in shares property gold, you know, 90%. That goes up and down like a roller coaster.\n\nAt some point, we do have to reduce the risk because you don't wanna be high growth at 64, and then if stock market wipes out half your super day before you retire. Does that make sense? Yes. Cool. Now that's a a pretty good picture actually because you've built up the funds that you have, That level of volatility where it goes up and down $20.30 grand every few months, that's pretty common because it's all percentage back, and it's going up and down ten, twenty, 30% a year.\n\nNow with your goals, obviously, a bit slow and steady towards 67 there, and you've got a bit of time up your sleeve. What are your thoughts just on, like, you know, that cycle tends to repeat itself every five to seven years where it grows and crashes, grows and crashes. Are you comfortable with how it's been playing out for you? Yep. There is a bit of an engine tune up that I do wanna do if that's okay.\n\nSo even though I may not change the the risk category, we'll keep you as high growth for the time being. Out of all the eight options that you've got, seven of them have all gone up double digits for the year, and one of them has been down a bit. Normally, one out of seven being down is not really much of an issue, but this one in particular has kind of dropped a lot further than all the other Australian options and the Australian market. It's a Benelon option, and it's had a bit faster drop than I would have expected compared to the other ones, if that makes sense. So what that basically means for you is, yep, it's still up positive for the year, but rather than just sitting there watching that one and waiting for it to come back, I'm actually proposing to replace that option sooner rather than later.\n\nCool. Yep. I've already done some research with the investment committee, and we've got a few up our sleeves that we've been looking at. The only question I've got for you is you can basically choose between low fee funds, passive, that follows the market very, very closely, or you pay a bit higher fees to try and get a higher return. There's no wrong answer to this question.\n\nIt just helps me whittle it down, but do you have a gut feeling on where you lean between the two? Well, the funny thing about that is I've had some options that are pretty much neck and neck. So it really just about how it behaves. So you've currently got seven options that are passive low fee, one option that is a bit higher fees, that one's been underperforming. I can either switch it out like for like, or I can go something with a bit lower fees and better performance as well.\n\nYep. I'll give that a bit of a switch in for you. As usual, I'll update your advice document and actually show you the differences between before you sign up on it. So just give me about a week or two just to put together some comparisons and get you booked in for that brief catch up with me. Now the last couple of things I wanted to run on on your hub account is just in terms of the beneficiary.\n\nI don't see anything listed on there currently. Will you did you have someone in mind that we were trying to leave this purpose? So I've got a bit of an idea there. Previous partner was Colette. Yep.\n\nOkay. So I'm assuming you want me to take her off as your emergency contact with us. Yep. Sort that out. With the beneficiaries, so they're basically for financial dependence, like a spouse, children, any someone that you're looking after living with you kind of thing.\n\nYou can do your old man in a sense, but you've got to kind of aim your super at your estate, like a will, and have, like, a will put in place. Yeah. No. That's alright. You have to think about it.\n\nI'll include the usual reminders in the advice document just about, like, hey. If you get a will sorted, you do a a kit at the post office for $25. We can aim the super in that direction. And that way, you know, the will says wherever it goes. But the one that's a bit different, that's a bit easier for you is the life insurance.\n\nSo that can go anywhere because it's just a straight up life policy. You pass away, this person gets 290,000. Do you want me to nominate him for that one? Yes, please. Yep.\n\nCool. So what I'll do is I will get the team to send out beneficiary forms for Tal to update that with a bit of a cover letter with an explanation. Are you okay for us to email them to print them out, or would you want us to post them there with a return envelope? What's easy for you? Of course.\n\nAbsolutely done. That'll come out there. I would normally send you a hub beneficiary along with it, but I don't want you to accidentally put the wrong thing down. Do you want me to send it there while you give it a think, or do you want me to hold off on that until you've given it some thought? Okay.\n\nYep. Cool. Alright. So I'll send both forms down. When you get them, just give us a buzz and we can kind of walk you through it a little bit, what your options are.\n\nFor tel and hub. Easy done. And the last thing is just with those insurances, so you've got one policy that you're paying for out of pocket that would just come out two weeks ago for, that's your trauma cover. So $50 for side effects, stroke, and cancer. That's set to a yearly premium.\n\nI just wanted to see, like, it's a 156. Was that okay? Is it is it jumped up too much for you? Are you okay to keep that one going? Yeah.\n\nSo the way it kind of steps out is, like, life insurance. Self explanatory. You pass away, there's a lump sum. PPD is if you can never work again, you know, you do get back and you're not going back to work, here's a lump sum, you know, pay up the mortgage or whatever it is. Income protection is like you're off work for six months because you're sick or injured and you need to keep the repayments going.\n\nAnd trauma is basically like you've had a heart attack. You might be straight back to work the next day, but here's $50 so you can go to, you know, the right specialist, take a bit of time to, you know, settle into things. But, yeah, it's heart attack, stroke, cancer. And because you've got the the plus version, it gives you every other diagnosable thing under the sun. Not to overcomplicate it, but the big one is heart attack stroke with cancer.\n\nThis also does, like, deafness, blindness, organ failure, major burns, bacterial meningitis in your eye, like, a list of about fifty, seventy different things. And so as long as that one's affordable. So the next anniversary, you'll get a notice in May of next year. And if it jumps up too much, just give us a bell and we can all alter it. But you pretty much, I believe, paid for the year already.\n\nYeah. Yep. Got about $1.05 6 here, so that should be good. With the the life of TPD, the 290,000, we'll send that to the old man. Obviously, TPD is for you.\n\nNow it's pretty pretty low price policy you've got here, which is looking really good, but I just wanna double check, obviously, the purpose of it so I can note that on file. You don't have any debts that I can see of it at this time, but you are intending to, you know, build a property and so on. So are we just sort of keeping that for you know, if you can ever work again, here's a bit of a lump sum to get you by And also for when you do get a mortgage. Cool. Last one.\n\nAbsolute last one is just the income protection. So four week wait, if you're out of work for a month, it kicks in, pays you monthly for up to five years, and you've got 3,261 a month cover, which protects an income of about 56,000. Just bear in mind that if you're about to jump up, we may have to review that when you get the next role. Yep. The other thing too is if your next role is qualified, that may improve the cost as well.\n\nThey may give you a better occupation rate. K? So if you're okay with that, what I basically wanna do is just update your your super portfolio over the next couple of weeks with you and sort out the beneficiaries. And then in a few months time, I was wanting to give you a buzz just to see if you got into that new role. I can maybe alter things and and sort that out in a few months time.\n\nK. Would you prefer that in three months or just wait for Christmas time? What's easier for you? I know you're a busy man. Yep.\n\nEasy done. Six months time, Christmas. We'll do the super in a couple of weeks, and that's easy done. Any questions for me so far? Fantastic.\n\nSo that pack I've sent out to you, that includes all the reports for the super and the insurance, updated service guide with a lot of license info, privacy policy, as well as an updated service agreement as well. Just bear in mind, Sean, it's the exact same phase as last year, 1.65% spread throughout the year. But next year, we're bringing in a tiered structure to everyone above $200, which you are. They're gonna start getting some step down discounts next year. Cool.\n\nSo I'll put this one through as is for now. In six months time, we'll sort the insurance out with a new job, and then next year's review will be on that new structure. Amazing, mate. If you have any questions in between, give us a bell. If not, keep an ear out for the team in a couple of weeks when you get those beneficiaries and just for that portfolio update.\n\nAwesome. Anything I can do before I let you go? Alright. Sean, appreciate you taking the time today, mate, and I shall talk to you in a couple of weeks. You too.\n\nCheers.","paragraphs":[{"sentences":[{"text":"Good day, Sean.","start":4.3199997,"end":5.2,"sentiment":"neutral","sentiment_score":0.33055644234021503},{"text":"It's Tom here, senior adviser of.","start":5.2,"end":7.14,"sentiment":"neutral","sentiment_score":0.2053258940577507},{"text":"How are you doing?","start":7.2,"end":8.02,"sentiment":"neutral","sentiment_score":0.1940799541771412},{"text":"Living the dream so far.","start":10.24,"end":11.36,"sentiment":"positive","sentiment_score":0.6400599122047425},{"text":"It's been fantastic.","start":11.36,"end":12.34,"sentiment":"positive","sentiment_score":0.8525775074958801}],"sentiment":"positive","sentiment_score":0.4170465043612889,"num_words":21,"start":4.3199997,"end":12.34},{"sentences":[{"text":"I'm just giving you a call to go through that annual review, and I just wanna double check if if you're expecting the call in half an hour with the time difference per se.","start":12.639999,"end":21.414999,"sentiment":"neutral","sentiment_score":0.2172371539122918},{"text":"Yeah.","start":26.46,"end":26.78,"sentiment":"neutral","sentiment_score":0.15658420324325562},{"text":"Perfect.","start":26.78,"end":27.1,"sentiment":"positive","sentiment_score":0.34932005405426025},{"text":"Do you want me to give you a callback in half an hour or is now a good time?","start":27.1,"end":30.0,"sentiment":"neutral","sentiment_score":0.07043634423691976},{"text":"Yeah.","start":32.54,"end":32.86,"sentiment":"positive","sentiment_score":0.34403252601623535}],"sentiment":"neutral","sentiment_score":0.17096947422916337,"num_words":56,"start":12.639999,"end":32.86},{"sentences":[{"text":"Perfect.","start":32.86,"end":33.26,"sentiment":"positive","sentiment_score":0.5715307593345642},{"text":"Awesome.","start":33.26,"end":33.66,"sentiment":"positive","sentiment_score":0.5261868238449097},{"text":"So before I begin, man, I've got a bit of an annual review pack to email through to you.","start":33.66,"end":38.625,"sentiment":"neutral","sentiment_score":0.16357331173984627},{"text":"And I'm just gonna do the usual security check while I send that through.","start":38.865,"end":42.725,"sentiment":"neutral","sentiment_score":0.06368360428937844},{"text":"So I'm registered with Atticus adviser one two seven three one zero five.","start":44.864998,"end":49.765,"sentiment":"neutral","sentiment_score":0.04223247101673713}],"sentiment":"neutral","sentiment_score":0.1176292310313632,"num_words":48,"start":32.86,"end":49.765},{"sentences":[{"text":"We don't have a security question on file.","start":49.985,"end":53.125,"sentiment":"neutral","sentiment_score":0.009685625904239714},{"text":"Could I confirm your date of birth and address, please?","start":53.53,"end":56.51,"sentiment":"neutral","sentiment_score":0.021716421749442816},{"text":"Sensational.","start":63.93,"end":64.43,"sentiment":"neutral","sentiment_score":0.0789107084274292},{"text":"And I've got your email address as seandachau@hotmail.com.","start":65.049995,"end":68.814995,"sentiment":"neutral","sentiment_score":0.021627845242619514},{"text":"Is that still current?","start":68.814995,"end":69.875,"sentiment":"neutral","sentiment_score":0.018421461572870612}],"sentiment":"neutral","sentiment_score":0.020008662625426245,"num_words":31,"start":49.985,"end":69.875},{"sentences":[{"text":"Amazing.","start":71.615,"end":72.115,"sentiment":"positive","sentiment_score":0.3980925679206848},{"text":"Alright.","start":72.174995,"end":72.494995,"sentiment":"neutral","sentiment_score":0.24587929248809817},{"text":"So I've got a bit of a pack I'm sending out through to you now.","start":72.494995,"end":75.475,"sentiment":"neutral","sentiment_score":0.1644287218650182},{"text":"Will you be able to look onto the emails with me, or should I just walk you through what's coming?","start":75.774994,"end":79.875,"sentiment":"neutral","sentiment_score":0.10114609003067017},{"text":"Yep.","start":84.76,"end":85.08,"sentiment":"neutral","sentiment_score":0.05776984617114067}],"sentiment":"neutral","sentiment_score":0.13660774566233158,"num_words":38,"start":71.615,"end":85.08},{"sentences":[{"text":"No worries at all.","start":85.08,"end":86.3,"sentiment":"neutral","sentiment_score":0.040999364107847214},{"text":"Now is there anything in particular to this review that you want me to focus on, mate?","start":86.68,"end":90.6,"sentiment":"neutral","sentiment_score":0.010337792775210212},{"text":"Anything that sort of changed for you guys?","start":90.6,"end":92.36,"sentiment":"neutral","sentiment_score":-0.06616996740922332},{"text":"I I know that there hasn't been much changes in your circumstance.","start":92.36,"end":95.66,"sentiment":"neutral","sentiment_score":-0.15210753555099168},{"text":"Absolutely.","start":110.57,"end":111.07,"sentiment":"neutral","sentiment_score":0.19459527730941772}],"sentiment":"neutral","sentiment_score":-0.04334083226110254,"num_words":42,"start":85.08,"end":111.07},{"sentences":[{"text":"So what I'll do for this review, just with our new system, I'm gonna double check with a few of these details just to make sure it's accurate, and I'll run through that super firsthand.","start":111.13,"end":121.55,"sentiment":"neutral","sentiment_score":0.22277379035949707},{"text":"Then we'll just run through a quick update on the insurances, the beneficiaries, and then I can pretty much let you go.","start":122.825,"end":131.005,"sentiment":"neutral","sentiment_score":0.1860493685711514},{"text":"Awesome.","start":133.065,"end":133.465,"sentiment":"positive","sentiment_score":0.5550295114517212},{"text":"So I just wanted to quickly start with the the previous goals there because from what I could see, there's a bit of a focus on obviously getting, like, fully qualified in your role and then, like, buying a piece of land, building on it, paying it off, traveling Australia, that kind of thing.","start":133.465,"end":151.72,"sentiment":"neutral","sentiment_score":0.2901896268681244},{"text":"Does that sound about right?","start":151.72,"end":152.955,"sentiment":"neutral","sentiment_score":0.10358250737190247}],"sentiment":"neutral","sentiment_score":0.24472949290886903,"num_words":117,"start":111.13,"end":152.955},{"sentences":[{"text":"September.","start":156.715,"end":157.215,"sentiment":"neutral","sentiment_score":0.01389331929385662},{"text":"Sensational.","start":157.355,"end":157.855,"sentiment":"neutral","sentiment_score":0.03884684666991234},{"text":"Oh, no.","start":166.97,"end":167.63,"sentiment":"neutral","sentiment_score":-0.05667173117399216},{"text":"Okay.","start":168.09,"end":168.59,"sentiment":"neutral","sentiment_score":-0.011811869218945503},{"text":"When that's done, do you know what you're expecting the income to change to?","start":170.25,"end":174.34999,"sentiment":"neutral","sentiment_score":-0.02701185317710042}],"sentiment":"neutral","sentiment_score":-0.023714795267503513,"num_words":19,"start":156.715,"end":174.34999},{"sentences":[{"text":"Perfect.","start":186.345,"end":186.845,"sentiment":"positive","sentiment_score":0.5642176866531372},{"text":"Fantastic.","start":187.38501,"end":187.88501,"sentiment":"positive","sentiment_score":0.5188003778457642},{"text":"So I had you set at about $65 a year.","start":188.185,"end":191.49,"sentiment":"neutral","sentiment_score":0.15000850409269334},{"text":"You'll say 900 a shift.","start":191.49,"end":193.41,"sentiment":"neutral","sentiment_score":0.0793342798948288},{"text":"Is that, like, five shifts a week, or how could I work that out?","start":193.41,"end":197.27,"sentiment":"neutral","sentiment_score":0.05678900623960154}],"sentiment":"neutral","sentiment_score":0.12176840620175484,"num_words":31,"start":186.345,"end":197.27},{"sentences":[{"text":"Yep.","start":201.17,"end":201.67,"sentiment":"neutral","sentiment_score":0.05603036284446716},{"text":"And fourteen days straight for the two on or yep.","start":201.81,"end":207.745,"sentiment":"neutral","sentiment_score":0.037351951189339164},{"text":"Okay.","start":207.745,"end":207.985,"sentiment":"neutral","sentiment_score":0.08233536034822464},{"text":"It's a pretty big one there.","start":207.985,"end":209.105,"sentiment":"neutral","sentiment_score":0.03730784791211287},{"text":"So we'll go actually, I'll work that out in the background there.","start":209.105,"end":212.465,"sentiment":"neutral","sentiment_score":0.0808612626666824}],"sentiment":"neutral","sentiment_score":0.05686891581863165,"num_words":30,"start":201.17,"end":212.465},{"sentences":[{"text":"Two on, one off, 900 a shift.","start":212.465,"end":215.20499,"sentiment":"neutral","sentiment_score":0.03242102691105434},{"text":"And done.","start":216.86499,"end":217.84499,"sentiment":"neutral","sentiment_score":0.03297149867285043},{"text":"And it's just fittering, so nothing different there.","start":218.385,"end":221.125,"sentiment":"neutral","sentiment_score":0.15588877815753222},{"text":"Drill fit.","start":223.54001,"end":224.1,"sentiment":"neutral","sentiment_score":0.12242189049720764},{"text":"That's it.","start":224.1,"end":224.82,"sentiment":"neutral","sentiment_score":0.07923067733645439}],"sentiment":"neutral","sentiment_score":0.09253835936431729,"num_words":21,"start":212.465,"end":224.82},{"sentences":[{"text":"We had pulling apart and building drill rigs, fabrication maintenance for Boats, long year currently.","start":224.82,"end":231.96,"sentiment":"neutral","sentiment_score":0.0399968267728885},{"text":"Yep.","start":232.66,"end":233.16,"sentiment":"neutral","sentiment_score":0.07378338277339935},{"text":"Sensational.","start":233.315,"end":233.815,"sentiment":"neutral","sentiment_score":0.12441927194595336},{"text":"Just quickly on the assets and liabilities there, mate, and I've got your suit coming through now.","start":234.275,"end":238.295,"sentiment":"neutral","sentiment_score":0.0738435797393322},{"text":"We had the Hilux, the Commodore, and the T Bird as the vehicles.","start":238.835,"end":242.695,"sentiment":"neutral","sentiment_score":0.0704964860700644}],"sentiment":"neutral","sentiment_score":0.06319043044238648,"num_words":47,"start":224.82,"end":242.695},{"sentences":[{"text":"Cool.","start":244.915,"end":245.37,"sentiment":"neutral","sentiment_score":0.30514276027679443},{"text":"Investment property for about a $150, a bit in savings of debt.","start":245.93,"end":250.43,"sentiment":"neutral","sentiment_score":0.16996502007047334},{"text":"Cool.","start":252.97,"end":253.04999,"sentiment":"neutral","sentiment_score":0.1396850049495697},{"text":"Savings was set at 38,000.","start":253.04999,"end":254.65,"sentiment":"neutral","sentiment_score":0.08779490441083908},{"text":"Have you managed to sort of build that up?","start":254.65,"end":256.25,"sentiment":"neutral","sentiment_score":0.05925937659210629}],"sentiment":"neutral","sentiment_score":0.12345417562339987,"num_words":28,"start":244.915,"end":256.25},{"sentences":[{"text":"Has it gone down?","start":256.25,"end":257.79,"sentiment":"neutral","sentiment_score":-0.011867469642311335},{"text":"What's it been like for you?","start":257.93,"end":259.38998,"sentiment":"neutral","sentiment_score":-0.1457744079331557},{"text":"Yeah.","start":272.53,"end":273.03,"sentiment":"neutral","sentiment_score":-0.06954523175954819},{"text":"Man, I've heard that a few times this year, and it's it's never fun.","start":280.13,"end":283.57,"sentiment":"neutral","sentiment_score":-0.3159029483795166},{"text":"I have buried the missus dog two years ago and wasn't a good time, and the vets, they're not they're not cheap.","start":283.57,"end":289.465,"sentiment":"negative","sentiment_score":-0.3587984876199202}],"sentiment":"neutral","sentiment_score":-0.28314616091232353,"num_words":47,"start":256.25,"end":289.465},{"sentences":[{"text":"Alright.","start":292.645,"end":293.125,"sentiment":"neutral","sentiment_score":-0.011454859748482704},{"text":"What do you want me to put the savings down to about $10.15?","start":293.125,"end":296.10498,"sentiment":"neutral","sentiment_score":-0.013336236875217695},{"text":"Or Yeah.","start":296.245,"end":300.39,"sentiment":"neutral","sentiment_score":0.016013517044484615},{"text":"Yep.","start":300.39,"end":300.59,"sentiment":"neutral","sentiment_score":0.07263609766960144},{"text":"No worries.","start":300.59,"end":301.33,"sentiment":"neutral","sentiment_score":0.15870916843414307}],"sentiment":"neutral","sentiment_score":0.012487133131607583,"num_words":19,"start":292.645,"end":301.33},{"sentences":[{"text":"Thank you for that.","start":301.79,"end":302.85,"sentiment":"positive","sentiment_score":0.3887474536895752},{"text":"Alrighty.","start":304.11,"end":304.61,"sentiment":"neutral","sentiment_score":0.12065038830041884},{"text":"So I'll go through the super with you.","start":304.75,"end":306.43,"sentiment":"neutral","sentiment_score":0.09462232049554586},{"text":"Do you log in and have a look every now and then, or is this report kind of a bit of an update for you?","start":306.43,"end":311.235,"sentiment":"neutral","sentiment_score":0.03259793028235435},{"text":"Yep.","start":313.875,"end":314.35498,"sentiment":"neutral","sentiment_score":0.03509119898080826}],"sentiment":"neutral","sentiment_score":0.08417072366827573,"num_words":39,"start":301.79,"end":314.35498},{"sentences":[{"text":"Sensational.","start":314.35498,"end":314.85498,"sentiment":"neutral","sentiment_score":0.0011572912335395813},{"text":"So, basically, you pointed out before what was going on in the world.","start":315.155,"end":319.335,"sentiment":"neutral","sentiment_score":-0.10286765946791722},{"text":"That caused a drop around about Christmas till March in the super.","start":319.555,"end":324.23,"sentiment":"neutral","sentiment_score":-0.19514565790692964},{"text":"So the easiest way I can explain it for your account is you were sitting at $210 a year ago.","start":324.85,"end":330.15,"sentiment":"neutral","sentiment_score":0.031049350928515195},{"text":"It went up, and then it went down to 200 flat in March, and it bounced back up to $2.30, $2.29 $8.05 9 as of today.","start":331.01,"end":340.995,"sentiment":"neutral","sentiment_score":0.0157616943694078}],"sentiment":"neutral","sentiment_score":-0.03676498756330046,"num_words":72,"start":314.35498,"end":340.995},{"sentences":[{"text":"So 20 down then 30 back up.","start":341.375,"end":343.79498,"sentiment":"neutral","sentiment_score":0.0021024588495492935},{"text":"Cool.","start":346.175,"end":346.675,"sentiment":"neutral","sentiment_score":-0.25565412640571594},{"text":"So yeah.","start":346.815,"end":349.29498,"sentiment":"neutral","sentiment_score":-0.08473498746752739},{"text":"I was expecting the high growth funds to be down a bit more, but it's in positive about four or 5%.","start":349.29498,"end":355.37,"sentiment":"neutral","sentiment_score":-0.11481180893523353},{"text":"So we've definitely pulled out a little bit compared to where it was.","start":355.37,"end":358.83,"sentiment":"neutral","sentiment_score":-0.13457983904159987}],"sentiment":"neutral","sentiment_score":-0.10388619964942336,"num_words":44,"start":341.375,"end":358.83},{"sentences":[{"text":"A lot of high growth funds are still in the negative at the moment.","start":359.53,"end":362.03,"sentiment":"negative","sentiment_score":-0.4116676534925188},{"text":"Oh, I'm good.","start":363.61,"end":364.34998,"sentiment":"positive","sentiment_score":0.3989708920319875},{"text":"Now with the the high growth, obviously, the whole idea there is growing super as much as you can.","start":365.05,"end":370.185,"sentiment":"neutral","sentiment_score":0.17767164816981867},{"text":"You've got the majority of your funds in shares property gold, you know, 90%.","start":370.185,"end":375.32498,"sentiment":"neutral","sentiment_score":0.127470606139728},{"text":"That goes up and down like a roller coaster.","start":375.865,"end":377.885,"sentiment":"neutral","sentiment_score":-0.14073970831102794}],"sentiment":"neutral","sentiment_score":-0.01140240756636959,"num_words":59,"start":359.53,"end":377.885},{"sentences":[{"text":"At some point, we do have to reduce the risk because you don't wanna be high growth at 64, and then if stock market wipes out half your super day before you retire.","start":378.185,"end":387.15,"sentiment":"neutral","sentiment_score":-0.08091310660044353},{"text":"Does that make sense?","start":387.15,"end":388.13,"sentiment":"neutral","sentiment_score":0.034981964621692896},{"text":"Yes.","start":388.99,"end":389.49,"sentiment":"neutral","sentiment_score":0.15537481009960177},{"text":"Cool.","start":390.11,"end":390.51,"sentiment":"positive","sentiment_score":0.3350817561149597},{"text":"Now that's a a pretty good picture actually because you've built up the funds that you have, That level of volatility where it goes up and down $20.30 grand every few months, that's pretty common because it's all percentage back, and it's going up and down ten, twenty, 30% a year.","start":390.51,"end":405.755,"sentiment":"neutral","sentiment_score":0.06157474249017005}],"sentiment":"neutral","sentiment_score":0.012228486376504104,"num_words":90,"start":378.185,"end":405.755},{"sentences":[{"text":"Now with your goals, obviously, a bit slow and steady towards 67 there, and you've got a bit of time up your sleeve.","start":407.71,"end":413.97,"sentiment":"neutral","sentiment_score":0.007876608358777088},{"text":"What are your thoughts just on, like, you know, that cycle tends to repeat itself every five to seven years where it grows and crashes, grows and crashes.","start":414.34998,"end":422.53,"sentiment":"neutral","sentiment_score":-0.013998264047716345},{"text":"Are you comfortable with how it's been playing out for you?","start":423.00497,"end":425.66498,"sentiment":"neutral","sentiment_score":0.13798640532927078},{"text":"Yep.","start":430.365,"end":430.865,"sentiment":"neutral","sentiment_score":0.23414596915245056},{"text":"There is a bit of an engine tune up that I do wanna do if that's okay.","start":430.925,"end":434.305,"sentiment":"neutral","sentiment_score":0.10571480169892311}],"sentiment":"neutral","sentiment_score":0.04172948319464922,"num_words":80,"start":407.71,"end":434.305},{"sentences":[{"text":"So even though I may not change the the risk category, we'll keep you as high growth for the time being.","start":436.46,"end":442.16,"sentiment":"neutral","sentiment_score":0.16732576205616906},{"text":"Out of all the eight options that you've got, seven of them have all gone up double digits for the year, and one of them has been down a bit.","start":443.02,"end":450.325,"sentiment":"neutral","sentiment_score":-0.10548538513636838},{"text":"Normally, one out of seven being down is not really much of an issue, but this one in particular has kind of dropped a lot further than all the other Australian options and the Australian market.","start":450.625,"end":462.52002,"sentiment":"negative","sentiment_score":-0.3403693329956796},{"text":"It's a Benelon option, and it's had a bit faster drop than I would have expected compared to the other ones, if that makes sense.","start":462.52002,"end":470.30002,"sentiment":"neutral","sentiment_score":-0.27256703823804856},{"text":"So what that basically means for you is, yep, it's still up positive for the year, but rather than just sitting there watching that one and waiting for it to come back, I'm actually proposing to replace that option sooner rather than later.","start":472.285,"end":484.30502,"sentiment":"neutral","sentiment_score":0.19363395012048787}],"sentiment":"neutral","sentiment_score":-0.06704472670662066,"num_words":155,"start":436.46,"end":484.30502},{"sentences":[{"text":"Cool.","start":487.93,"end":488.43,"sentiment":"positive","sentiment_score":0.4424382448196411},{"text":"Yep.","start":490.89,"end":491.29,"sentiment":"neutral","sentiment_score":0.27001047134399414},{"text":"I've already done some research with the investment committee, and we've got a few up our sleeves that we've been looking at.","start":491.29,"end":496.725,"sentiment":"neutral","sentiment_score":0.2510686699639667},{"text":"The only question I've got for you is you can basically choose between low fee funds, passive, that follows the market very, very closely, or you pay a bit higher fees to try and get a higher return.","start":497.765,"end":511.625,"sentiment":"neutral","sentiment_score":0.08196437898042955},{"text":"There's no wrong answer to this question.","start":512.42,"end":514.01996,"sentiment":"neutral","sentiment_score":0.11058207601308823}],"sentiment":"neutral","sentiment_score":0.14673449838722963,"num_words":69,"start":487.93,"end":514.01996},{"sentences":[{"text":"It just helps me whittle it down, but do you have a gut feeling on where you lean between the two?","start":514.01996,"end":518.76,"sentiment":"neutral","sentiment_score":0.07660732773088273},{"text":"Well, the funny thing about that is I've had some options that are pretty much neck and neck.","start":527.285,"end":531.865,"sentiment":"neutral","sentiment_score":-0.05251530661351151},{"text":"So it really just about how it behaves.","start":531.925,"end":534.185,"sentiment":"neutral","sentiment_score":0.029399407096207142},{"text":"So you've currently got seven options that are passive low fee, one option that is a bit higher fees, that one's been underperforming.","start":534.485,"end":541.94,"sentiment":"neutral","sentiment_score":0.012247765274799389},{"text":"I can either switch it out like for like, or I can go something with a bit lower fees and better performance as well.","start":542.64,"end":548.66,"sentiment":"neutral","sentiment_score":0.09085770665357511}],"sentiment":"neutral","sentiment_score":0.03575486362852315,"num_words":94,"start":514.01996,"end":548.66},{"sentences":[{"text":"Yep.","start":552.415,"end":552.815,"sentiment":"neutral","sentiment_score":0.2727898359298706},{"text":"I'll give that a bit of a switch in for you.","start":552.815,"end":555.315,"sentiment":"neutral","sentiment_score":0.3119707134636966},{"text":"As usual, I'll update your advice document and actually show you the differences between before you sign up on it.","start":555.455,"end":562.415,"sentiment":"neutral","sentiment_score":0.25611435920000075},{"text":"So just give me about a week or two just to put together some comparisons and get you booked in for that brief catch up with me.","start":562.415,"end":570.64996,"sentiment":"neutral","sentiment_score":0.2644586220935539},{"text":"Now the last couple of things I wanted to run on on your hub account is just in terms of the beneficiary.","start":572.14996,"end":577.44995,"sentiment":"neutral","sentiment_score":0.025676190937784584}],"sentiment":"neutral","sentiment_score":0.20409893660725634,"num_words":81,"start":552.415,"end":577.44995},{"sentences":[{"text":"I don't see anything listed on there currently.","start":578.63,"end":580.845,"sentiment":"neutral","sentiment_score":-0.0939768897369504},{"text":"Will you did you have someone in mind that we were trying to leave this purpose?","start":580.845,"end":583.985,"sentiment":"neutral","sentiment_score":-0.04102639190386981},{"text":"So I've got a bit of an idea there.","start":597.96,"end":600.14,"sentiment":"neutral","sentiment_score":-0.17276966985729006},{"text":"Previous partner was Colette.","start":600.60004,"end":603.5,"sentiment":"neutral","sentiment_score":-0.04456308111548424},{"text":"Yep.","start":605.08,"end":605.48004,"sentiment":"neutral","sentiment_score":0.0004390031099319458}],"sentiment":"neutral","sentiment_score":-0.08265730890592463,"num_words":38,"start":578.63,"end":605.48004},{"sentences":[{"text":"Okay.","start":605.48004,"end":605.98004,"sentiment":"neutral","sentiment_score":-0.020828481763601303},{"text":"So I'm assuming you want me to take her off as your emergency contact with us.","start":606.12,"end":611.055,"sentiment":"neutral","sentiment_score":-0.03038007637951523},{"text":"Yep.","start":612.975,"end":613.455,"sentiment":"neutral","sentiment_score":0.0309932641685009},{"text":"Sort that out.","start":613.455,"end":614.355,"sentiment":"neutral","sentiment_score":-0.004147265727321307},{"text":"With the beneficiaries, so they're basically for financial dependence, like a spouse, children, any someone that you're looking after living with you kind of thing.","start":616.65497,"end":627.36,"sentiment":"neutral","sentiment_score":0.03566895753145218}],"sentiment":"neutral","sentiment_score":0.008768819596456446,"num_words":46,"start":605.48004,"end":627.36},{"sentences":[{"text":"You can do your old man in a sense, but you've got to kind of aim your super at your estate, like a will, and have, like, a will put in place.","start":627.66003,"end":638.32,"sentiment":"neutral","sentiment_score":0.0563373938202858},{"text":"Yeah.","start":648.725,"end":648.96497,"sentiment":"neutral","sentiment_score":0.02742631547152996},{"text":"No.","start":648.96497,"end":649.125,"sentiment":"neutral","sentiment_score":-0.05862962827086449},{"text":"That's alright.","start":649.125,"end":649.605,"sentiment":"neutral","sentiment_score":-0.019955897238105536},{"text":"You have to think about it.","start":649.605,"end":650.64496,"sentiment":"neutral","sentiment_score":-0.026587715682884056}],"sentiment":"neutral","sentiment_score":0.037432266687530844,"num_words":42,"start":627.66003,"end":650.64496},{"sentences":[{"text":"I'll include the usual reminders in the advice document just about, like, hey.","start":650.64496,"end":654.75,"sentiment":"neutral","sentiment_score":0.24778748131715334},{"text":"If you get a will sorted, you do a a kit at the post office for $25.","start":654.75,"end":659.65,"sentiment":"neutral","sentiment_score":0.22407415772185607},{"text":"We can aim the super in that direction.","start":659.79,"end":661.73,"sentiment":"positive","sentiment_score":0.4293116107583046},{"text":"And that way, you know, the will says wherever it goes.","start":662.03,"end":665.09,"sentiment":"neutral","sentiment_score":0.2871392315084284},{"text":"But the one that's a bit different, that's a bit easier for you is the life insurance.","start":666.11,"end":671.605,"sentiment":"neutral","sentiment_score":0.2792554765063174}],"sentiment":"neutral","sentiment_score":0.27834644654031954,"num_words":66,"start":650.64496,"end":671.605},{"sentences":[{"text":"So that can go anywhere because it's just a straight up life policy.","start":672.945,"end":675.825,"sentiment":"neutral","sentiment_score":0.32361610806905305},{"text":"You pass away, this person gets 290,000.","start":675.825,"end":678.72504,"sentiment":"neutral","sentiment_score":0.09493221449000495},{"text":"Do you want me to nominate him for that one?","start":678.865,"end":681.3,"sentiment":"neutral","sentiment_score":0.1710348516702652},{"text":"Yes, please.","start":683.22,"end":683.88,"sentiment":"neutral","sentiment_score":0.2146454155445099},{"text":"Yep.","start":683.94,"end":684.26,"sentiment":"neutral","sentiment_score":0.310600221157074}],"sentiment":"neutral","sentiment_score":0.22187195379625668,"num_words":33,"start":672.945,"end":684.26},{"sentences":[{"text":"Cool.","start":684.26,"end":684.5,"sentiment":"positive","sentiment_score":0.5549129843711853},{"text":"So what I'll do is I will get the team to send out beneficiary forms for Tal to update that with a bit of a cover letter with an explanation.","start":684.5,"end":696.395,"sentiment":"neutral","sentiment_score":0.2600690111517906},{"text":"Are you okay for us to email them to print them out, or would you want us to post them there with a return envelope?","start":696.53503,"end":701.09503,"sentiment":"neutral","sentiment_score":0.18986961305141448},{"text":"What's easy for you?","start":701.09503,"end":702.23505,"sentiment":"positive","sentiment_score":0.4215529188513756},{"text":"Of course.","start":707.51,"end":708.15,"sentiment":"neutral","sentiment_score":0.25790704786777496}],"sentiment":"neutral","sentiment_score":0.24686692607018254,"num_words":62,"start":684.26,"end":708.15},{"sentences":[{"text":"Absolutely done.","start":708.15,"end":709.21,"sentiment":"positive","sentiment_score":0.528887927532196},{"text":"That'll come out there.","start":709.59,"end":710.79,"sentiment":"positive","sentiment_score":0.44908296316862106},{"text":"I would normally send you a hub beneficiary along with it, but I don't want you to accidentally put the wrong thing down.","start":710.79,"end":716.41,"sentiment":"neutral","sentiment_score":0.16076428993888522},{"text":"Do you want me to send it there while you give it a think, or do you want me to hold off on that until you've given it some thought?","start":716.63,"end":721.755,"sentiment":"neutral","sentiment_score":0.12029332319895426},{"text":"Okay.","start":724.475,"end":724.975,"sentiment":"neutral","sentiment_score":0.1490570902824402}],"sentiment":"neutral","sentiment_score":0.1718257193764051,"num_words":60,"start":708.15,"end":724.975},{"sentences":[{"text":"Yep.","start":736.09,"end":736.49,"sentiment":"neutral","sentiment_score":0.2587176263332367},{"text":"Cool.","start":736.49,"end":736.81,"sentiment":"positive","sentiment_score":0.4354337453842163},{"text":"Alright.","start":736.81,"end":737.13,"sentiment":"neutral","sentiment_score":0.3254168927669525},{"text":"So I'll send both forms down.","start":737.13,"end":738.97003,"sentiment":"neutral","sentiment_score":0.28140057623386383},{"text":"When you get them, just give us a buzz and we can kind of walk you through it a little bit, what your options are.","start":738.97003,"end":744.19,"sentiment":"neutral","sentiment_score":0.32659844994544984}],"sentiment":"neutral","sentiment_score":0.31979214619187746,"num_words":34,"start":736.09,"end":744.19},{"sentences":[{"text":"For tel and hub.","start":746.65,"end":748.27,"sentiment":"neutral","sentiment_score":0.08329873066395521},{"text":"Easy done.","start":749.245,"end":750.065,"sentiment":"neutral","sentiment_score":0.2839740142226219},{"text":"And the last thing is just with those insurances, so you've got one policy that you're paying for out of pocket that would just come out two weeks ago for, that's your trauma cover.","start":750.845,"end":763.43,"sentiment":"neutral","sentiment_score":0.019294230524204013},{"text":"So $50 for side effects, stroke, and cancer.","start":763.43,"end":767.52997,"sentiment":"neutral","sentiment_score":-0.035887548234313726},{"text":"That's set to a yearly premium.","start":768.23,"end":769.93,"sentiment":"neutral","sentiment_score":-0.03513938343773285}],"sentiment":"neutral","sentiment_score":0.019615001896723966,"num_words":54,"start":746.65,"end":769.93},{"sentences":[{"text":"I just wanted to see, like, it's a 156.","start":770.23,"end":772.87,"sentiment":"neutral","sentiment_score":0.0649251321123706},{"text":"Was that okay?","start":772.87,"end":773.76996,"sentiment":"neutral","sentiment_score":0.10749769334991773},{"text":"Is it is it jumped up too much for you?","start":773.82996,"end":775.67,"sentiment":"neutral","sentiment_score":-0.16674974597990513},{"text":"Are you okay to keep that one going?","start":775.67,"end":777.52997,"sentiment":"neutral","sentiment_score":-0.018649854697287083},{"text":"Yeah.","start":788.515,"end":788.835,"sentiment":"neutral","sentiment_score":0.0028800852596759796}],"sentiment":"neutral","sentiment_score":-0.029257965905051076,"num_words":31,"start":770.23,"end":788.835},{"sentences":[{"text":"So the way it kind of steps out is, like, life insurance.","start":788.835,"end":791.495,"sentiment":"neutral","sentiment_score":0.0558307363341252},{"text":"Self explanatory.","start":791.66003,"end":792.48004,"sentiment":"neutral","sentiment_score":0.05365657061338425},{"text":"You pass away, there's a lump sum.","start":792.54004,"end":794.24,"sentiment":"neutral","sentiment_score":0.001911146832363946},{"text":"PPD is if you can never work again, you know, you do get back and you're not going back to work, here's a lump sum, you know, pay up the mortgage or whatever it is.","start":794.94,"end":803.52,"sentiment":"neutral","sentiment_score":-0.004747118428349495},{"text":"Income protection is like you're off work for six months because you're sick or injured and you need to keep the repayments going.","start":803.995,"end":810.095,"sentiment":"neutral","sentiment_score":-0.14620710455853006}],"sentiment":"neutral","sentiment_score":-0.03466142461741272,"num_words":79,"start":788.835,"end":810.095},{"sentences":[{"text":"And trauma is basically like you've had a heart attack.","start":810.235,"end":812.89496,"sentiment":"neutral","sentiment_score":-0.1287136673927307},{"text":"You might be straight back to work the next day, but here's $50 so you can go to, you know, the right specialist, take a bit of time to, you know, settle into things.","start":813.035,"end":822.82,"sentiment":"neutral","sentiment_score":-0.05478035970864927},{"text":"But, yeah, it's heart attack, stroke, cancer.","start":823.2,"end":825.46,"sentiment":"neutral","sentiment_score":-0.08649788690464837},{"text":"And because you've got the the plus version, it gives you every other diagnosable thing under the sun.","start":826.08,"end":833.7,"sentiment":"neutral","sentiment_score":0.023273965964714687},{"text":"Not to overcomplicate it, but the big one is heart attack stroke with cancer.","start":834.255,"end":838.195,"sentiment":"neutral","sentiment_score":-0.17005889862775803}],"sentiment":"neutral","sentiment_score":-0.06888008802141769,"num_words":83,"start":810.235,"end":838.195},{"sentences":[{"text":"This also does, like, deafness, blindness, organ failure, major burns, bacterial meningitis in your eye, like, a list of about fifty, seventy different things.","start":838.575,"end":850.63,"sentiment":"neutral","sentiment_score":-0.1327700074762106},{"text":"And so as long as that one's affordable.","start":853.09,"end":855.03,"sentiment":"neutral","sentiment_score":0.06290652370080352},{"text":"So the next anniversary, you'll get a notice in May of next year.","start":858.53,"end":862.31,"sentiment":"neutral","sentiment_score":0.10821925734098141},{"text":"And if it jumps up too much, just give us a bell and we can all alter it.","start":862.575,"end":866.995,"sentiment":"neutral","sentiment_score":0.007351689971983433},{"text":"But you pretty much, I believe, paid for the year already.","start":867.135,"end":870.35504,"sentiment":"neutral","sentiment_score":0.06614019857211546}],"sentiment":"neutral","sentiment_score":-0.005628446494606701,"num_words":74,"start":838.575,"end":870.35504},{"sentences":[{"text":"Yeah.","start":875.13995,"end":875.38,"sentiment":"neutral","sentiment_score":0.10876846313476562},{"text":"Yep.","start":875.38,"end":875.88,"sentiment":"neutral","sentiment_score":0.11498980224132538},{"text":"Got about $1.05 6 here, so that should be good.","start":876.1,"end":879.07996,"sentiment":"neutral","sentiment_score":0.18489295318722726},{"text":"With the the life of TPD, the 290,000, we'll send that to the old man.","start":880.26,"end":885.39996,"sentiment":"neutral","sentiment_score":0.06613337819774946},{"text":"Obviously, TPD is for you.","start":885.69995,"end":887.56,"sentiment":"neutral","sentiment_score":0.14630489349365233}],"sentiment":"neutral","sentiment_score":0.1186316543025896,"num_words":32,"start":875.13995,"end":887.56},{"sentences":[{"text":"Now it's pretty pretty low price policy you've got here, which is looking really good, but I just wanna double check, obviously, the purpose of it so I can note that on file.","start":888.125,"end":897.745,"sentiment":"neutral","sentiment_score":0.26129610317223},{"text":"You don't have any debts that I can see of it at this time, but you are intending to, you know, build a property and so on.","start":899.66003,"end":907.26,"sentiment":"neutral","sentiment_score":-0.0015682235912040422},{"text":"So are we just sort of keeping that for you know, if you can ever work again, here's a bit of a lump sum to get you by And also for when you do get a mortgage.","start":907.26,"end":917.565,"sentiment":"neutral","sentiment_score":0.10464847490594194},{"text":"Cool.","start":920.505,"end":921.005,"sentiment":"neutral","sentiment_score":0.24273821711540225},{"text":"Last one.","start":921.545,"end":922.285,"sentiment":"neutral","sentiment_score":0.16912832856178284}],"sentiment":"neutral","sentiment_score":0.130334178134799,"num_words":100,"start":888.125,"end":922.285},{"sentences":[{"text":"Absolute last one is just the income protection.","start":922.505,"end":924.685,"sentiment":"neutral","sentiment_score":0.07422531256452203},{"text":"So four week wait, if you're out of work for a month, it kicks in, pays you monthly for up to five years, and you've got 3,261 a month cover, which protects an income of about 56,000.","start":925.145,"end":941.8,"sentiment":"neutral","sentiment_score":0.10631813783500646},{"text":"Just bear in mind that if you're about to jump up, we may have to review that when you get the next role.","start":942.335,"end":947.315,"sentiment":"neutral","sentiment_score":0.012044964682148851},{"text":"Yep.","start":948.575,"end":949.075,"sentiment":"neutral","sentiment_score":0.10730596631765366},{"text":"The other thing too is if your next role is qualified, that may improve the cost as well.","start":950.495,"end":956.27,"sentiment":"neutral","sentiment_score":0.23405442842178875}],"sentiment":"neutral","sentiment_score":0.1048838329426516,"num_words":87,"start":922.505,"end":956.27},{"sentences":[{"text":"They may give you a better occupation rate.","start":956.27,"end":958.37,"sentiment":"neutral","sentiment_score":0.24664239585399628},{"text":"K?","start":960.83,"end":961.31,"sentiment":"neutral","sentiment_score":0.007223375607281923},{"text":"So if you're okay with that, what I basically wanna do is just update your your super portfolio over the next couple of weeks with you and sort out the beneficiaries.","start":961.31,"end":970.52496,"sentiment":"neutral","sentiment_score":0.12974799532563455},{"text":"And then in a few months time, I was wanting to give you a buzz just to see if you got into that new role.","start":971.14496,"end":976.745,"sentiment":"neutral","sentiment_score":0.103937166929245},{"text":"I can maybe alter things and and sort that out in a few months time.","start":976.745,"end":980.67,"sentiment":"neutral","sentiment_score":0.07612017417947452}],"sentiment":"neutral","sentiment_score":0.12178477729321457,"num_words":80,"start":956.27,"end":980.67},{"sentences":[{"text":"K.","start":983.38995,"end":983.70996,"sentiment":"neutral","sentiment_score":0.0188044011592865},{"text":"Would you prefer that in three months or just wait for Christmas time?","start":983.70996,"end":986.26996,"sentiment":"neutral","sentiment_score":0.021442150697112083},{"text":"What's easier for you?","start":986.26996,"end":987.23,"sentiment":"neutral","sentiment_score":0.05956749618053436},{"text":"I know you're a busy man.","start":987.23,"end":988.52997,"sentiment":"neutral","sentiment_score":-0.030998962620894115},{"text":"Yep.","start":994.14496,"end":994.545,"sentiment":"neutral","sentiment_score":0.20420783758163452}],"sentiment":"neutral","sentiment_score":0.022161456272006035,"num_words":25,"start":983.38995,"end":994.545},{"sentences":[{"text":"Easy done.","start":994.545,"end":995.02496,"sentiment":"positive","sentiment_score":0.3949308544397354},{"text":"Six months time, Christmas.","start":995.02496,"end":996.32495,"sentiment":"neutral","sentiment_score":0.23929572477936745},{"text":"We'll do the super in a couple of weeks, and that's easy done.","start":996.70496,"end":999.605,"sentiment":"positive","sentiment_score":0.34559011688599217},{"text":"Any questions for me so far?","start":999.90497,"end":1001.52496,"sentiment":"neutral","sentiment_score":0.07444779761135578},{"text":"Fantastic.","start":1004.305,"end":1004.805,"sentiment":"positive","sentiment_score":0.648621678352356}],"sentiment":"neutral","sentiment_score":0.2821163304436665,"num_words":26,"start":994.545,"end":1004.805},{"sentences":[{"text":"So that pack I've sent out to you, that includes all the reports for the super and the insurance, updated service guide with a lot of license info, privacy policy, as well as an updated service agreement as well.","start":1005.02496,"end":1017.69,"sentiment":"neutral","sentiment_score":0.3034416391299321},{"text":"Just bear in mind, Sean, it's the exact same phase as last year, 1.65% spread throughout the year.","start":1017.91,"end":1024.475,"sentiment":"neutral","sentiment_score":0.0908624478098419},{"text":"But next year, we're bringing in a tiered structure to everyone above $200, which you are.","start":1024.855,"end":1030.055,"sentiment":"neutral","sentiment_score":0.06803866964764893},{"text":"They're gonna start getting some step down discounts next year.","start":1030.055,"end":1033.675,"sentiment":"neutral","sentiment_score":0.059946925938129426},{"text":"Cool.","start":1035.9501,"end":1036.27,"sentiment":"neutral","sentiment_score":0.29320546984672546}],"sentiment":"neutral","sentiment_score":0.18394096940755844,"num_words":84,"start":1005.02496,"end":1036.27},{"sentences":[{"text":"So I'll put this one through as is for now.","start":1036.27,"end":1038.4501,"sentiment":"neutral","sentiment_score":0.12810768708586692},{"text":"In six months time, we'll sort the insurance out with a new job, and then next year's review will be on that new structure.","start":1038.83,"end":1044.85,"sentiment":"neutral","sentiment_score":0.08796012805153926},{"text":"Amazing, mate.","start":1047.5651,"end":1047.885,"sentiment":"positive","sentiment_score":0.5606791079044342},{"text":"If you have any questions in between, give us a bell.","start":1047.885,"end":1050.045,"sentiment":"neutral","sentiment_score":0.17893380062146622},{"text":"If not, keep an ear out for the team in a couple of weeks when you get those beneficiaries and just for that portfolio update.","start":1050.045,"end":1055.905,"sentiment":"neutral","sentiment_score":0.18147047966718674}],"sentiment":"neutral","sentiment_score":0.15303488831139272,"num_words":72,"start":1036.27,"end":1055.905},{"sentences":[{"text":"Awesome.","start":1058.285,"end":1058.605,"sentiment":"positive","sentiment_score":0.3920810222625733},{"text":"Anything I can do before I let you go?","start":1058.605,"end":1060.38,"sentiment":"neutral","sentiment_score":0.15712728848059973},{"text":"Alright.","start":1064.7,"end":1065.2,"sentiment":"neutral","sentiment_score":0.06025447696447373},{"text":"Sean, appreciate you taking the time today, mate, and I shall talk to you in a couple of weeks.","start":1065.26,"end":1069.1969,"sentiment":"positive","sentiment_score":0.4095131982313959},{"text":"You too.","start":1072.4769,"end":1073.0369,"sentiment":"positive","sentiment_score":0.49877192080020905}],"sentiment":"neutral","sentiment_score":0.3326492407359183,"num_words":32,"start":1058.285,"end":1073.0369},{"sentences":[{"text":"Cheers.","start":1073.0369,"end":1073.5369,"sentiment":"positive","sentiment_score":0.5228220820426941}],"sentiment":"positive","sentiment_score":0.5228220820426941,"num_words":1,"start":1073.0369,"end":1073.5369}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good, mate. Yourself? 04:00, you said on the on the message I got today. That's fine. Yep. Yeah. So we're good. Yep. Yep. Yep. Twentieth eleventh eighty eight, and the address is 20th 25. Yes. It is. Yep. Just I just told you for what's your mate. No. Not not really. Just wanna see I know it's been a bit of a bad sort of financial sort of year with everything going in the economy. Just sort of wanna know how much that sort of hurt hurt hurt me super this year. Yep. Yep. Not eating milk. Yes. Yes. Yes. I get ticked off from apprenticeship in September. Yeah. I was hoping that was something early, but the last after all the last apprentices left, so they're holding me to it. So so yeah. Yep. $900 a shift. So I've already got a job organized. Yeah. So I just gotta get me trace certificate and give my resignation there and jump into my new job. It's it's it's two on one roster for two weeks on one week off. Yes. Yes. Yep. Yeah. True for that. Yep. Yes. Yep. No. No. No. It's gone down. It's gone down a bit. I think a bit bit reckless for money last probably six months. So but yeah. But yes. I was having a I had to put my dog down, so I paid a fair bit in debt bills, and that was around $910,000 worth of debt bills. And I used that to try save your dog's life when he passed away. So Nah. Nah. They're not. Nah. No. The yeah. No $9, mate. Yep. Just to report this and update. Yep. Yep. Yep. Yep. Yep. Not I'm I'm pretty sure of that. Oh, yep. Yes. Yep. Yep. Yep. Yeah. Yeah. I'll be I'm happy with that, mate. Yeah. I was keen to keep going how it is. Yeah. Yep. Yep. Yep. Okay. Yep. Yep. Yeah. Yeah. I'm I'm keen for that, mate. Yeah. Whatever you sort of recommend, mate, I'll be definitely happy with that. Yep. What's what sort of what what's been sort of, yeah, sort of performing better? Yeah. I was I was gonna, like, say, spinach, spinach, lunch one, please, mate. Yep. Yep. Yep. Yep. Sounds good. Yeah. I was gonna do it for old missus, but we're not together anymore. So I'll probably if I can put I don't know. I'll probably put more fucking old man on, I reckon. So Yep. Yes, please. Okay. Yeah. I don't know. I I thought I think that that one was actually good. Yep. Yep. Yes, please. Yep. Yep. If you can post it with a return envelope, mate, that'd be good. Yep. Maybe send that as well, mate. So you send that. So, yeah, if I do that, I might rate the state mode balance. Then put it in the Nathan's Nathan's or something like that. So if that does happen to me, they should got something to help her and what? Yep. Yep. That yeah. So that's what I got. Yeah. Like you said, if I can't if I got cancer or injure myself or anything like that. Yep. Yep. Yep. Yep. Yep. Oh, yep. Yep. Yep. No. I'll I'll yeah. That's fine, mate. Yeah. I'll be alright with that. Yep. Yes. Yeah. I have a 151 boxes for anyone for a 150¢. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. 100 percent. Sounds good. Okay. Yep. Yep. No. That sounds good to me, mate. Through Christmas time, mate, just get everything settled in and everything like that. Yep. Nah. Nah. Happy as well. Yep. Yep. Yep. Oh, yes. Yes. Good to me. Yep. Sounds perfect. Yep. Awesome, mate. Awesome. No. No. Happy days, mate. Definitely. Not all good with that. Yep. Yeah. Easy, mate. Appreciate it, mate. Have a good week. Alright. Cheers, mate. 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Yeah. Good, mate. Yourself? 04:00, you said on the on the message I got today.\n\nThat's fine. Yep. Yeah. So we're good. Yep.\n\nYep. Yep. Twentieth eleventh eighty eight, and the address is 20th 25. Yes. It is.\n\nYep. Just I just told you for what's your mate. No. Not not really. Just wanna see I know it's been a bit of a bad sort of financial sort of year with everything going in the economy.\n\nJust sort of wanna know how much that sort of hurt hurt hurt me super this year. Yep. Yep. Not eating milk. Yes.\n\nYes. Yes. I get ticked off from apprenticeship in September. Yeah. I was hoping that was something early, but the last after all the last apprentices left, so they're holding me to it.\n\nSo so yeah. Yep. $900 a shift. So I've already got a job organized. Yeah.\n\nSo I just gotta get me trace certificate and give my resignation there and jump into my new job. It's it's it's two on one roster for two weeks on one week off. Yes. Yes. Yep.\n\nYeah. True for that. Yep. Yes. Yep.\n\nNo. No. No. It's gone down. It's gone down a bit.\n\nI think a bit bit reckless for money last probably six months. So but yeah. But yes. I was having a I had to put my dog down, so I paid a fair bit in debt bills, and that was around $910,000 worth of debt bills. And I used that to try save your dog's life when he passed away.\n\nSo Nah. Nah. They're not. Nah. No.\n\nThe yeah. No $9, mate. Yep. Just to report this and update. Yep.\n\nYep. Yep. Yep. Yep. Not I'm I'm pretty sure of that.\n\nOh, yep. Yes. Yep. Yep. Yep.\n\nYeah. Yeah. I'll be I'm happy with that, mate. Yeah. I was keen to keep going how it is.\n\nYeah. Yep. Yep. Yep. Okay.\n\nYep. Yep. Yeah. Yeah. I'm I'm keen for that, mate.\n\nYeah. Whatever you sort of recommend, mate, I'll be definitely happy with that. Yep. What's what sort of what what's been sort of, yeah, sort of performing better? Yeah.\n\nI was I was gonna, like, say, spinach, spinach, lunch one, please, mate. Yep. Yep. Yep. Yep.\n\nSounds good. Yeah. I was gonna do it for old missus, but we're not together anymore. So I'll probably if I can put I don't know. I'll probably put more fucking old man on, I reckon.\n\nSo Yep. Yes, please. Okay. Yeah. I don't know.\n\nI I thought I think that that one was actually good. Yep. Yep. Yes, please. Yep.\n\nYep. If you can post it with a return envelope, mate, that'd be good. Yep. Maybe send that as well, mate. So you send that.\n\nSo, yeah, if I do that, I might rate the state mode balance. Then put it in the Nathan's Nathan's or something like that. So if that does happen to me, they should got something to help her and what? Yep. Yep.\n\nThat yeah. So that's what I got. Yeah. Like you said, if I can't if I got cancer or injure myself or anything like that. Yep.\n\nYep. Yep. Yep. Yep. Oh, yep.\n\nYep. Yep. No. I'll I'll yeah. That's fine, mate.\n\nYeah. I'll be alright with that. Yep. Yes. Yeah.\n\nI have a 151 boxes for anyone for a 150¢. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\n100 percent. Sounds good. Okay. Yep. Yep.\n\nNo. That sounds good to me, mate. Through Christmas time, mate, just get everything settled in and everything like that. Yep. Nah.\n\nNah. Happy as well. Yep. Yep. Yep.\n\nOh, yes. Yes. Good to me. Yep. Sounds perfect.\n\nYep. Awesome, mate. Awesome. No. No.\n\nHappy days, mate. Definitely. Not all good with that. Yep. Yeah.\n\nEasy, mate. Appreciate it, mate. Have a good week. Alright. Cheers, mate.\n\nYeah.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.56,"end":3.06,"sentiment":"neutral","sentiment_score":0.03924372047185898},{"text":"Yeah.","start":8.0,"end":8.4,"sentiment":"neutral","sentiment_score":0.26205432415008545},{"text":"Good, mate.","start":8.4,"end":8.8,"sentiment":"positive","sentiment_score":0.5073196142911911},{"text":"Yourself?","start":8.8,"end":9.3,"sentiment":"positive","sentiment_score":0.46112871170043945},{"text":"04:00, you said on the on the message I got today.","start":22.705,"end":25.685,"sentiment":"neutral","sentiment_score":0.04190599749034101}],"sentiment":"neutral","sentiment_score":0.13987699733115733,"num_words":16,"start":2.56,"end":25.685},{"sentences":[{"text":"That's 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yep.","start":850.935,"end":851.575,"sentiment":"neutral","sentiment_score":0.030401193536818027}],"sentiment":"neutral","sentiment_score":-0.023492981834957998,"num_words":6,"start":803.96,"end":851.575},{"sentences":[{"text":"Yep.","start":851.575,"end":852.075,"sentiment":"neutral","sentiment_score":0.09026545286178587},{"text":"Yep.","start":852.855,"end":853.255,"sentiment":"neutral","sentiment_score":0.07572236657142639},{"text":"No.","start":853.255,"end":853.495,"sentiment":"neutral","sentiment_score":-0.02878357470035553},{"text":"I'll I'll yeah.","start":853.495,"end":855.895,"sentiment":"neutral","sentiment_score":0.13671269764502844},{"text":"That's fine, mate.","start":855.895,"end":856.455,"sentiment":"positive","sentiment_score":0.6211065848668417}],"sentiment":"neutral","sentiment_score":0.2678513435853852,"num_words":9,"start":851.575,"end":856.455},{"sentences":[{"text":"Yeah.","start":856.455,"end":856.615,"sentiment":"positive","sentiment_score":0.3563341796398163},{"text":"I'll be alright with that.","start":856.615,"end":857.835,"sentiment":"positive","sentiment_score":0.4104833364486694},{"text":"Yep.","start":870.39,"end":870.71,"sentiment":"neutral","sentiment_score":0.09991859644651412},{"text":"Yes.","start":870.71,"end":871.03,"sentiment":"neutral","sentiment_score":0.11093999445438384},{"text":"Yeah.","start":871.03,"end":871.19,"sentiment":"neutral","sentiment_score":0.11783447861671448}],"sentiment":"neutral","sentiment_score":0.3041604368223084,"num_words":9,"start":856.455,"end":871.19},{"sentences":[{"text":"I have a 151 boxes for anyone for a 150¢.","start":871.19,"end":874.33,"sentiment":"neutral","sentiment_score":0.09210936890708075},{"text":"Yep.","start":878.505,"end":879.005,"sentiment":"neutral","sentiment_score":0.31952664256095886},{"text":"Yep.","start":879.305,"end":879.805,"sentiment":"neutral","sentiment_score":0.13709968328475952},{"text":"Yep.","start":888.105,"end":888.605,"sentiment":"neutral","sentiment_score":0.15808984637260437},{"text":"Yep.","start":907.945,"end":908.445,"sentiment":"neutral","sentiment_score":0.10701821744441986}],"sentiment":"neutral","sentiment_score":0.1192860546020361,"num_words":14,"start":871.19,"end":908.445},{"sentences":[{"text":"Yep.","start":918.185,"end":918.685,"sentiment":"neutral","sentiment_score":0.261008620262146},{"text":"Yep.","start":931.63,"end":932.13,"sentiment":"neutral","sentiment_score":0.11737765371799468},{"text":"Yep.","start":938.845,"end":939.345,"sentiment":"neutral","sentiment_score":0.1367066502571106},{"text":"Yep.","start":947.485,"end":947.96497,"sentiment":"neutral","sentiment_score":0.06718719005584717},{"text":"Yep.","start":947.96497,"end":948.285,"sentiment":"neutral","sentiment_score":0.06753214448690414}],"sentiment":"neutral","sentiment_score":0.12996245175600052,"num_words":5,"start":918.185,"end":948.285},{"sentences":[{"text":"100 percent.","start":948.285,"end":948.925,"sentiment":"neutral","sentiment_score":0.2453739009797573},{"text":"Sounds good.","start":948.925,"end":949.825,"sentiment":"positive","sentiment_score":0.42358537018299103},{"text":"Okay.","start":958.93,"end":959.41003,"sentiment":"neutral","sentiment_score":0.10016000270843506},{"text":"Yep.","start":959.41003,"end":959.91003,"sentiment":"neutral","sentiment_score":0.037744179368019104},{"text":"Yep.","start":980.875,"end":981.115,"sentiment":"neutral","sentiment_score":0.0741981789469719}],"sentiment":"neutral","sentiment_score":0.22143155762127467,"num_words":7,"start":948.285,"end":981.115},{"sentences":[{"text":"No.","start":981.115,"end":981.275,"sentiment":"neutral","sentiment_score":0.031858641654253006},{"text":"That sounds good to me, mate.","start":981.275,"end":982.575,"sentiment":"neutral","sentiment_score":0.17422418668866158},{"text":"Through Christmas time, mate, just get everything settled in and everything like that.","start":989.29004,"end":993.47003,"sentiment":"neutral","sentiment_score":0.028000317657223113},{"text":"Yep.","start":1001.325,"end":1001.64496,"sentiment":"neutral","sentiment_score":0.08007729798555374},{"text":"Nah.","start":1001.64496,"end":1001.96497,"sentiment":"neutral","sentiment_score":0.10416411608457564}],"sentiment":"neutral","sentiment_score":0.07388405933637511,"num_words":22,"start":981.115,"end":1001.96497},{"sentences":[{"text":"Nah.","start":1001.96497,"end":1002.20496,"sentiment":"neutral","sentiment_score":0.19119247794151303},{"text":"Happy as well.","start":1002.20496,"end":1003.345,"sentiment":"positive","sentiment_score":0.40177926421165466},{"text":"Yep.","start":1017.98004,"end":1018.48004,"sentiment":"neutral","sentiment_score":0.11229634284973145},{"text":"Yep.","start":1024.9401,"end":1025.235,"sentiment":"neutral","sentiment_score":0.05298113822937012},{"text":"Yep.","start":1030.355,"end":1030.855,"sentiment":"neutral","sentiment_score":0.06654496490955353}],"sentiment":"neutral","sentiment_score":0.23262181665216172,"num_words":7,"start":1001.96497,"end":1030.855},{"sentences":[{"text":"Oh, yes.","start":1033.155,"end":1033.875,"sentiment":"neutral","sentiment_score":0.04052290506660938},{"text":"Yes.","start":1033.875,"end":1034.355,"sentiment":"neutral","sentiment_score":0.11632274091243744},{"text":"Good to me.","start":1034.355,"end":1035.1749,"sentiment":"neutral","sentiment_score":0.28958921631177265},{"text":"Yep.","start":1045.26,"end":1045.74,"sentiment":"neutral","sentiment_score":0.21606290340423584},{"text":"Sounds perfect.","start":1045.74,"end":1046.5599,"sentiment":"positive","sentiment_score":0.5834440886974335}],"sentiment":"neutral","sentiment_score":0.2721208089755641,"num_words":9,"start":1033.155,"end":1046.5599},{"sentences":[{"text":"Yep.","start":1056.105,"end":1056.505,"sentiment":"neutral","sentiment_score":0.17257259786128998},{"text":"Awesome, mate.","start":1056.505,"end":1057.4049,"sentiment":"positive","sentiment_score":0.4187796711921692},{"text":"Awesome.","start":1057.705,"end":1058.205,"sentiment":"positive","sentiment_score":0.5128432512283325},{"text":"No.","start":1060.2649,"end":1060.505,"sentiment":"neutral","sentiment_score":-0.06202178820967674},{"text":"No.","start":1060.505,"end":1060.745,"sentiment":"neutral","sentiment_score":-0.02438376471400261}],"sentiment":"neutral","sentiment_score":0.23942827309171358,"num_words":6,"start":1056.105,"end":1060.745},{"sentences":[{"text":"Happy days, mate.","start":1060.745,"end":1061.625,"sentiment":"neutral","sentiment_score":0.12808571755886078},{"text":"Definitely.","start":1061.625,"end":1062.125,"sentiment":"neutral","sentiment_score":0.1324760764837265},{"text":"Not all good with that.","start":1062.585,"end":1063.885,"sentiment":"negative","sentiment_score":-0.6387959599494935},{"text":"Yep.","start":1067.4501,"end":1067.9501,"sentiment":"positive","sentiment_score":0.3492637574672699},{"text":"Yeah.","start":1069.05,"end":1069.37,"sentiment":"neutral","sentiment_score":0.294979989528656}],"sentiment":"neutral","sentiment_score":-0.18481843850829385,"num_words":11,"start":1060.745,"end":1069.37},{"sentences":[{"text":"Easy, mate.","start":1069.37,"end":1069.8501,"sentiment":"positive","sentiment_score":0.496113121509552},{"text":"Appreciate it, mate.","start":1069.8501,"end":1070.49,"sentiment":"positive","sentiment_score":0.7199429869651794},{"text":"Have a good week.","start":1070.49,"end":1071.63,"sentiment":"positive","sentiment_score":0.6908275783061981},{"text":"Alright.","start":1073.77,"end":1074.0901,"sentiment":"neutral","sentiment_score":0.30372846126556396},{"text":"Cheers, mate.","start":1074.0901,"end":1074.5701,"sentiment":"positive","sentiment_score":0.47086000442504883}],"sentiment":"positive","sentiment_score":0.5967344989379247,"num_words":12,"start":1069.37,"end":1074.5701},{"sentences":[{"text":"Yeah.","start":1074.5701,"end":1075.0701,"sentiment":"neutral","sentiment_score":-0.11716210842132568}],"sentiment":"neutral","sentiment_score":-0.11716210842132568,"num_words":1,"start":1074.5701,"end":1075.0701}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Sean. It's Tom here, senior adviser of. How are you doing?\n\nChannel 1: Yeah. Good, mate. Yourself?\n\nChannel 0: Living the dream so far. It's been fantastic. I'm just giving you a call to go through that annual review, and I just wanna double check if if you're expecting the call in half an hour with the time difference per se.\n\nChannel 1: 04:00, you said on the on the message I got today.\n\nChannel 0: Yeah. Perfect. Do you want me to give you a callback in half an hour or is now a good time?\n\nChannel 1: That's fine. Yep. Yeah. So we're good.\n\nChannel 0: Yeah. Perfect. Awesome. So before I begin, man, I've got a bit of an annual review pack to email through to you.\n\nChannel 1: Yep.\n\nChannel 0: And I'm just gonna do the usual security check while I send that through.\n\nChannel 1: Yep.\n\nChannel 0: So I'm registered with Atticus adviser one two seven three one zero five. We don't have a security question on file. Could\n\nChannel 1: Yep.\n\nChannel 0: I confirm your date of birth and address, please?\n\nChannel 1: Twentieth eleventh eighty eight, and the address is 20th 25.\n\nChannel 0: Sensational. And I've got your email address as seandachau@hotmail.com. Is that still current?\n\nChannel 1: Yes. It is.\n\nChannel 0: Amazing. Alright. So I've got a bit of a pack I'm sending out through to you now. Will you be able to look onto the emails with me, or should I just walk you through what's coming?\n\nChannel 1: Yep. Just I just told you for what's your mate.\n\nChannel 0: Yep. No worries at all. Now is there anything in particular to this review that you want me to focus on, mate? Anything that sort of changed for you guys? I I know that there hasn't been much changes in your circumstance.\n\nChannel 1: No. Not not really. Just wanna see I know it's been a bit of a bad sort of financial sort of year with everything going in the economy. Just sort of wanna know how much that sort of hurt hurt hurt me super this year.\n\nChannel 0: Absolutely. So what I'll do for this review, just with our new system, I'm gonna double check with a few of these details just to make sure it's accurate, and I'll run through that super firsthand.\n\nChannel 1: Yep.\n\nChannel 0: Then we'll just run through a quick update on the insurances, the beneficiaries, and then I can pretty much let you go.\n\nChannel 1: Yep. Not eating milk.\n\nChannel 0: Awesome. So I just wanted to quickly start with the the previous goals there because from what I could see, there's a bit of a focus on obviously getting, like, fully qualified in your role and then, like, buying a piece of land, building on it,\n\nChannel 1: Yes.\n\nChannel 0: paying it off, traveling Australia, that kind of thing. Does that sound about right?\n\nChannel 1: Yes. Yes. I get ticked off from apprenticeship in September.\n\nChannel 0: September. Sensational.\n\nChannel 1: Yeah. I was hoping that was something early, but the last after all the last apprentices left, so they're holding me to it. So\n\nChannel 0: Oh, no.\n\nChannel 1: so\n\nChannel 0: Okay. When that's done, do you know what you're expecting the income to change to?\n\nChannel 1: yeah. Yep. $900 a shift. So I've already got a job organized. Yeah.\n\nSo I just gotta get me trace certificate and give my resignation there and jump into my new job.\n\nChannel 0: Perfect. Fantastic. So I had you set at about $65 a year. You'll say 900 a shift. Is that, like, five shifts a week, or how could I\n\nChannel 1: It's\n\nChannel 0: work that out?\n\nChannel 1: it's it's two on one roster for two weeks on one week off.\n\nChannel 0: Yep. And fourteen days straight for the two on or\n\nChannel 1: Yes. Yes. Yep.\n\nChannel 0: yep. Okay. It's a pretty big one there. So we'll go actually, I'll work that out in the background there. Two on, one off, 900 a shift.\n\nAnd done. And it's just fittering, so nothing different there.\n\nChannel 1: Yeah. True for that.\n\nChannel 0: Drill fit. That's it. We had pulling apart and building drill rigs, fabrication maintenance for Boats, long year\n\nChannel 1: Yep.\n\nChannel 0: currently. Yep. Sensational. Just quickly on the assets and liabilities there, mate, and I've got your suit coming through now. We had the Hilux, the Commodore, and the T Bird as the vehicles.\n\nChannel 1: Yes.\n\nChannel 0: Cool. Investment property for about a $150, a bit in savings of debt. Cool. Savings was set at 38,000. Have you managed to sort of build that up?\n\nHas it gone down?\n\nChannel 1: Yep. No. No.\n\nChannel 0: What's\n\nChannel 1: No.\n\nChannel 0: it\n\nChannel 1: It's\n\nChannel 0: been\n\nChannel 1: gone\n\nChannel 0: like\n\nChannel 1: down.\n\nChannel 0: for you?\n\nChannel 1: It's gone down a bit. I think a bit bit reckless for money last probably six months. So but yeah. But yes. I was having a I had to put my dog down, so I paid a fair bit in debt bills, and that was around\n\nChannel 0: Yeah.\n\nChannel 1: $910,000 worth of debt bills. And I used that to try save your dog's life when he passed away. So\n\nChannel 0: Man, I've heard that a few times this year, and it's it's never fun. I have buried the missus dog two years ago and wasn't a good time, and the vets, they're not they're not cheap.\n\nChannel 1: Nah. Nah. They're not. Nah. No.\n\nChannel 0: Alright. What do you want me to put the savings\n\nChannel 1: The\n\nChannel 0: down to about $10.15? Or\n\nChannel 1: yeah. No $9, mate.\n\nChannel 0: Yeah. Yep. No worries. Thank you for that.\n\nChannel 1: Yep.\n\nChannel 0: Alrighty. So I'll go through the super with you. Do you log in and have a look every now and then, or is this report kind of a bit of an update for you?\n\nChannel 1: Just to report this and update.\n\nChannel 0: Yep. Sensational. So, basically, you pointed out before what was going on in the world. That caused a drop around about Christmas till March in the super. So the easiest way I can explain it for your account is you were sitting at $210 a year ago.\n\nChannel 1: Yep.\n\nChannel 0: It went\n\nChannel 1: Yep.\n\nChannel 0: up, and then it went down to 200 flat in March, and it bounced back up to $2.30, $2.29 $8.05 9 as of today. So\n\nChannel 1: Yep.\n\nChannel 0: 20 down then 30 back up.\n\nChannel 1: Yep. Yep. Not\n\nChannel 0: Cool.\n\nChannel 1: I'm\n\nChannel 0: So\n\nChannel 1: I'm pretty sure of that.\n\nChannel 0: yeah. I was expecting the high growth funds to be down a bit more, but it's in positive about four or 5%. So we've definitely pulled out a little bit compared to where it was. A lot of high growth funds are still in the negative at the moment.\n\nChannel 1: Oh, yep.\n\nChannel 0: Oh, I'm good. Now with the the high growth, obviously, the whole idea there is growing super as much as you can. You've got the majority of your funds in shares property gold, you know, 90%. That goes up and down like a roller coaster. At some point, we do have to reduce the risk because you don't wanna be high growth at 64, and then if stock market wipes out half your super day before you retire.\n\nDoes that make sense?\n\nChannel 1: Yes. Yep.\n\nChannel 0: Yes. Cool. Now that's a a pretty good picture actually because you've built up the funds that you have, That level of volatility where it goes up and down $20.30 grand every few months, that's pretty common because it's all percentage back, and it's going up and down ten, twenty, 30% a year.\n\nChannel 1: Yep.\n\nChannel 0: Now with your goals, obviously, a bit slow and steady towards 67 there, and you've got a bit of time up your sleeve. What are your thoughts just on, like, you know, that cycle tends to repeat itself every five to\n\nChannel 1: Yep.\n\nChannel 0: seven years where it grows and crashes, grows and crashes. Are you comfortable with how\n\nChannel 1: Yeah.\n\nChannel 0: it's been playing out for you?\n\nChannel 1: Yeah. I'll be I'm happy with that, mate. Yeah. I was keen to keep going how it is.\n\nChannel 0: Yep. There\n\nChannel 1: Yeah.\n\nChannel 0: is a bit of an engine tune up that I do wanna do if that's okay.\n\nChannel 1: Yep.\n\nChannel 0: So even though I may not change the the risk category, we'll keep you as high growth for the time being.\n\nChannel 1: Yep.\n\nChannel 0: Out of all the eight options that you've got, seven of them have all gone up double digits for the year, and one of them has been down a bit. Normally,\n\nChannel 1: Yep.\n\nChannel 0: one out of seven being down is not really much of an issue, but this one in particular has kind of dropped a lot further than all the other Australian options and the Australian market. It's a Benelon option, and it's had a bit faster drop than I would have expected compared to the other ones, if that makes sense.\n\nChannel 1: Okay. Yep.\n\nChannel 0: So what that basically means for you is, yep, it's still up positive for the year, but rather than just sitting there watching that one and waiting for it to come back, I'm actually proposing to replace that option sooner rather than later.\n\nChannel 1: Yep. Yeah. Yeah. I'm I'm keen for that, mate. Yeah.\n\nWhatever you\n\nChannel 0: Cool.\n\nChannel 1: sort of recommend, mate, I'll be definitely happy with that.\n\nChannel 0: Yep. I've already done some research with the investment committee, and we've got a few up our sleeves that we've been looking at.\n\nChannel 1: Yep.\n\nChannel 0: The only question I've got for you is you can basically choose between low fee funds, passive, that follows the market very, very closely, or you pay a bit higher fees to try and get a higher return. There's no wrong answer to this question. It just helps me whittle it down, but do you have a gut feeling on where you lean between the two?\n\nChannel 1: What's what sort of what what's been sort of, yeah, sort of performing better?\n\nChannel 0: Well, the funny thing about that is I've had some options that are pretty much neck and neck. So it really just about how it behaves. So you've currently got seven options that are passive low fee, one option that is a bit higher fees, that one's been underperforming. I can either switch it out like for like, or I can go something with a bit lower fees and better performance as well.\n\nChannel 1: Yeah. I was I was gonna, like, say, spinach, spinach, lunch one, please, mate.\n\nChannel 0: Yep. I'll give that a bit of a switch in for you. As usual,\n\nChannel 1: Yep.\n\nChannel 0: I'll update your advice document and actually show you the differences between before you sign up on it. So just give me about a week or two just to put together some comparisons and get you booked in for that brief catch up with me.\n\nChannel 1: Yep. Yep. Yep. Sounds good.\n\nChannel 0: Now the last couple of things I wanted to run on on your hub account is just in terms of the beneficiary. I don't see anything listed on there currently. Will you did you have someone in mind that we were trying to leave this purpose?\n\nChannel 1: Yeah. I was gonna do it for old missus, but we're not together anymore. So I'll probably if I can put I don't know. I'll probably put more fucking old man on, I reckon. So\n\nChannel 0: So I've got a bit of an idea there. Previous partner was Colette.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. So I'm assuming you want me to take her off as your emergency contact with us.\n\nChannel 1: Yes, please.\n\nChannel 0: Yep. Sort that out. With the beneficiaries, so they're basically for financial dependence, like a spouse, children, any someone that you're looking after living with you kind of thing. You can do your old man in a sense, but you've got to kind of aim your super at your estate, like a will, and have, like, a will put in place.\n\nChannel 1: Okay. Yeah. I don't know. I I thought I think that that one was actually good.\n\nChannel 0: Yeah. No. That's alright. You have to think about it. I'll include the usual reminders in the advice document just about, like, hey.\n\nIf you get a will sorted, you do a a kit at the post office for $25. We can aim the super in that direction. And that way, you know, the will says wherever it goes. But the one that's a bit different,\n\nChannel 1: Yep.\n\nChannel 0: that's a bit easier for you is the life insurance. So that can go anywhere because it's just a straight up life policy. You pass away, this person gets 290,000. Do you\n\nChannel 1: Yep.\n\nChannel 0: want me to nominate him for that one?\n\nChannel 1: Yes, please. Yep.\n\nChannel 0: Yes, please. Yep. Cool. So what I'll do is I will get the team to send out beneficiary forms for Tal to update that with a bit\n\nChannel 1: Yep.\n\nChannel 0: of a cover letter with an explanation. Are you okay for us to email them to print them out, or would you want us to post them there with a return envelope? What's easy for you?\n\nChannel 1: If you can post it with a return envelope, mate, that'd be good.\n\nChannel 0: Of course. Absolutely done. That'll come out there. I would normally send you a hub beneficiary\n\nChannel 1: Yep.\n\nChannel 0: along with it, but I don't want you to accidentally put the wrong thing down. Do you want me to send it there while you give it a think, or do you want me to hold off on that until you've given it some thought?\n\nChannel 1: Maybe send that as well, mate. So\n\nChannel 0: Okay.\n\nChannel 1: you send that. So, yeah, if I do that, I might rate the state mode balance. Then put it in the Nathan's Nathan's or something like that. So if that does happen to me, they should got something to help her and what?\n\nChannel 0: Yep. Cool. Alright. So I'll send both forms down. When you get them, just give us a buzz and we can kind of walk you through it a little bit, what your options are.\n\nChannel 1: Yep.\n\nChannel 0: For tel and hub. Easy done. And the last thing is just with those insurances, so you've got one policy that you're paying for out of pocket that would just come out two weeks ago for,\n\nChannel 1: Yep.\n\nChannel 0: that's your trauma cover. So $50 for side effects, stroke, and cancer. That's set to a yearly premium. I just wanted to see, like, it's a 156. Was that okay?\n\nIs it is it jumped up too much for you? Are you okay to keep that one going?\n\nChannel 1: That yeah. So that's what I got. Yeah. Like you said, if I can't if I got cancer or injure myself or anything like that.\n\nChannel 0: Yeah. So the way it kind of steps out is, like, life insurance. Self explanatory. You pass away, there's a lump sum.\n\nChannel 1: Yep.\n\nChannel 0: PPD is if you can never work again, you know, you do get back and you're not going back to work, here's a lump sum, you know, pay up the mortgage or whatever it is.\n\nChannel 1: Yep.\n\nChannel 0: Income protection is like you're off work for six months because you're sick or injured and you need to keep the repayments going. And\n\nChannel 1: Yep.\n\nChannel 0: trauma is basically like you've had a heart attack. You might be straight back to work the next day, but here's $50 so you can go to, you know, the right specialist, take a bit of time to, you know, settle into things. But,\n\nChannel 1: Yep.\n\nChannel 0: yeah, it's heart attack, stroke, cancer. And because you've got the the plus version, it gives you every other diagnosable thing under the sun.\n\nChannel 1: Yep.\n\nChannel 0: Not to overcomplicate it, but the big one is heart attack stroke with cancer. This also does, like, deafness, blindness, organ failure, major burns, bacterial meningitis in your eye, like, a list of about fifty, seventy different things.\n\nChannel 1: Oh, yep. Yep. Yep.\n\nChannel 0: And\n\nChannel 1: No.\n\nChannel 0: so\n\nChannel 1: I'll I'll\n\nChannel 0: as long as that one's affordable.\n\nChannel 1: yeah. That's fine, mate. Yeah. I'll be alright with that.\n\nChannel 0: So the next anniversary, you'll get a notice in May of next year. And if it jumps up too much, just give us a bell and we can all alter it. But you pretty much, I believe, paid for the year already.\n\nChannel 1: Yep. Yes. Yeah. I have a 151 boxes for anyone for a 150¢.\n\nChannel 0: Yeah. Yep. Got about $1.05 6 here, so that should be\n\nChannel 1: Yep.\n\nChannel 0: good.\n\nChannel 1: Yep.\n\nChannel 0: With the the life of TPD, the 290,000, we'll send that to the old man. Obviously, TPD is for you.\n\nChannel 1: Yep.\n\nChannel 0: Now it's pretty pretty low price policy you've got here, which is looking really good, but I just wanna double check, obviously, the purpose of it so I can note that on file. You don't have any debts that I can see of it at this time, but you are intending to, you know, build a property and so on. So are\n\nChannel 1: Yep.\n\nChannel 0: we just sort of keeping that for you know, if you can ever work again, here's a bit of a lump sum to get you by And also for when you do get a mortgage.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Last one. Absolute last one is just the income protection. So four week wait, if you're out of work for a month, it kicks in, pays you monthly for up to five years,\n\nChannel 1: Yep.\n\nChannel 0: and you've got 3,261 a month cover,\n\nChannel 1: Yep.\n\nChannel 0: which protects an income of about 56,000. Just bear in mind that if you're about to jump up, we may have to review that when you get the next role.\n\nChannel 1: Yep. Yep. 100\n\nChannel 0: Yep.\n\nChannel 1: percent. Sounds good.\n\nChannel 0: The other thing too is if your next role is qualified, that may improve the cost as well. They may give you a better occupation rate.\n\nChannel 1: Okay. Yep.\n\nChannel 0: K? So if you're okay with that, what I basically wanna do is just update your your super portfolio over the next couple of weeks with you and sort out the beneficiaries. And then in a few months time, I was wanting to give you a buzz just to see if you got into that new role. I can maybe alter things and and sort that out in a few months time.\n\nChannel 1: Yep. No. That sounds good to me, mate.\n\nChannel 0: K. Would you prefer that in three months or just wait for Christmas time? What's easier for you? I know you're a busy man.\n\nChannel 1: Through Christmas time, mate, just get everything settled in and everything like that.\n\nChannel 0: Yep. Easy done. Six months time, Christmas. We'll do the super in a couple of weeks, and that's easy done. Any questions for me so far?\n\nChannel 1: Yep. Nah. Nah. Happy as well.\n\nChannel 0: Fantastic. So that pack I've sent out to you, that includes all the reports for the super and the insurance, updated service guide with a lot of license info, privacy policy, as well as an updated service agreement as well. Just\n\nChannel 1: Yep.\n\nChannel 0: bear in mind, Sean, it's the exact same phase as last year, 1.65% spread throughout the year. But\n\nChannel 1: Yep.\n\nChannel 0: next year, we're bringing in a tiered structure to everyone above $200, which you are. They're gonna\n\nChannel 1: Yep.\n\nChannel 0: start getting some step down discounts next\n\nChannel 1: Oh,\n\nChannel 0: year.\n\nChannel 1: yes. Yes. Good to me.\n\nChannel 0: Cool. So I'll put this one through as is for now. In six months time, we'll sort the insurance out with a new job, and then next year's review will be on that new structure.\n\nChannel 1: Yep. Sounds perfect.\n\nChannel 0: Amazing, mate. If you have any questions in between, give us a bell. If not, keep an ear out for the team in a couple of weeks when you get those beneficiaries and just for that portfolio update.\n\nChannel 1: Yep. Awesome, mate. Awesome.\n\nChannel 0: Awesome. Anything I can do before I let you go?\n\nChannel 1: No. No. Happy days, mate. Definitely. Not all good with that.\n\nChannel 0: Alright. Sean, appreciate you taking the time today, mate, and\n\nChannel 1: Yep.\n\nChannel 0: I shall talk to you in a couple of weeks.\n\nChannel 1: Yeah. Easy, mate. Appreciate it, mate. Have a good week.\n\nChannel 0: You too. Cheers.\n\nChannel 1: Alright. Cheers, mate. Yeah.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.56,"end":3.06,"sentiment":"neutral","sentiment_score":0.03924372047185898}],"sentiment":"neutral","sentiment_score":0.03924372047185898,"channel":1,"num_words":1,"start":2.56,"end":3.06},{"sentences":[{"text":"Good day, Sean.","start":4.3199997,"end":5.2,"sentiment":"neutral","sentiment_score":0.33055644234021503},{"text":"It's Tom here, senior adviser of.","start":5.2,"end":7.14,"sentiment":"neutral","sentiment_score":0.2053258940577507},{"text":"How are you doing?","start":7.2,"end":8.02,"sentiment":"neutral","sentiment_score":0.1940799541771412}],"sentiment":"neutral","sentiment_score":0.23076496215967032,"channel":0,"num_words":13,"start":4.3199997,"end":8.02},{"sentences":[{"text":"Yeah.","start":8.0,"end":8.4,"sentiment":"neutral","sentiment_score":0.26205432415008545},{"text":"Good, mate.","start":8.4,"end":8.8,"sentiment":"positive","sentiment_score":0.5073196142911911},{"text":"Yourself?","start":8.8,"end":9.3,"sentiment":"positive","sentiment_score":0.46112871170043945}],"sentiment":"positive","sentiment_score":0.4344555661082268,"channel":1,"num_words":4,"start":8.0,"end":9.3},{"sentences":[{"text":"Living the dream so far.","start":10.24,"end":11.36,"sentiment":"positive","sentiment_score":0.6400599122047425},{"text":"It's been fantastic.","start":11.36,"end":12.34,"sentiment":"positive","sentiment_score":0.8525775074958801},{"text":"I'm just giving you a call to go through that annual review, and I just wanna double check if if you're expecting the call in half an hour with the time difference per se.","start":12.639999,"end":21.414999,"sentiment":"neutral","sentiment_score":0.2172371539122918}],"sentiment":"neutral","sentiment_score":0.31295465039355413,"channel":0,"num_words":42,"start":10.24,"end":21.414999},{"sentences":[{"text":"04:00, you said on the on the message I got today.","start":22.705,"end":25.685,"sentiment":"neutral","sentiment_score":0.04190599749034101}],"sentiment":"neutral","sentiment_score":0.04190599749034101,"channel":1,"num_words":11,"start":22.705,"end":25.685},{"sentences":[{"text":"Yeah.","start":26.46,"end":26.78,"sentiment":"neutral","sentiment_score":0.15658420324325562},{"text":"Perfect.","start":26.78,"end":27.1,"sentiment":"positive","sentiment_score":0.34932005405426025},{"text":"Do you want me to give you a callback in half an hour or is now a good time?","start":27.1,"end":30.0,"sentiment":"neutral","sentiment_score":0.07043634423691976}],"sentiment":"neutral","sentiment_score":0.08781879989519006,"channel":0,"num_words":21,"start":26.46,"end":30.0},{"sentences":[{"text":"That's fine.","start":29.95,"end":30.51,"sentiment":"neutral","sentiment_score":0.11963401362299919},{"text":"Yep.","start":30.51,"end":30.91,"sentiment":"neutral","sentiment_score":0.12002702802419662},{"text":"Yeah.","start":30.91,"end":31.07,"sentiment":"neutral","sentiment_score":0.20638081431388855},{"text":"So we're good.","start":31.07,"end":32.050003,"sentiment":"neutral","sentiment_score":0.3122195651133855}],"sentiment":"neutral","sentiment_score":0.21461922356060573,"channel":1,"num_words":7,"start":29.95,"end":32.050003},{"sentences":[{"text":"Yeah.","start":32.54,"end":32.86,"sentiment":"positive","sentiment_score":0.34403252601623535},{"text":"Perfect.","start":32.86,"end":33.26,"sentiment":"positive","sentiment_score":0.5715307593345642},{"text":"Awesome.","start":33.26,"end":33.66,"sentiment":"positive","sentiment_score":0.5261868238449097},{"text":"So before I begin, man, I've got a bit of an annual review pack to email through to you.","start":33.66,"end":38.625,"sentiment":"neutral","sentiment_score":0.16357331173984627}],"sentiment":"neutral","sentiment_score":0.2068019560114904,"channel":0,"num_words":22,"start":32.54,"end":38.625},{"sentences":[{"text":"Yep.","start":38.27,"end":38.77,"sentiment":"neutral","sentiment_score":0.05692695081233978}],"sentiment":"neutral","sentiment_score":0.05692695081233978,"channel":1,"num_words":1,"start":38.27,"end":38.77},{"sentences":[{"text":"And I'm just gonna do the usual security check while I send that through.","start":38.865,"end":42.725,"sentiment":"neutral","sentiment_score":0.06368360428937844}],"sentiment":"neutral","sentiment_score":0.06368360428937844,"channel":0,"num_words":14,"start":38.865,"end":42.725},{"sentences":[{"text":"Yep.","start":42.99,"end":43.425,"sentiment":"neutral","sentiment_score":0.038015302270650864}],"sentiment":"neutral","sentiment_score":0.038015302270650864,"channel":1,"num_words":1,"start":42.99,"end":43.425},{"sentences":[{"text":"So I'm registered with Atticus adviser one two seven three one zero five.","start":44.864998,"end":49.765,"sentiment":"neutral","sentiment_score":0.04223247101673713},{"text":"We don't have a security question on file.","start":49.985,"end":53.125,"sentiment":"neutral","sentiment_score":0.009685625904239714},{"text":"Could","start":53.53,"end":53.77,"sentiment":"neutral","sentiment_score":0.0331537202000618}],"sentiment":"neutral","sentiment_score":0.029984584120525556,"channel":0,"num_words":22,"start":44.864998,"end":53.77},{"sentences":[{"text":"Yep.","start":53.665,"end":54.165,"sentiment":"neutral","sentiment_score":0.027964463457465172}],"sentiment":"neutral","sentiment_score":0.027964463457465172,"channel":1,"num_words":1,"start":53.665,"end":54.165},{"sentences":[{"text":"I confirm your date of birth and address, please?","start":53.77,"end":56.51,"sentiment":"neutral","sentiment_score":0.02044561081048515}],"sentiment":"neutral","sentiment_score":0.02044561081048515,"channel":0,"num_words":9,"start":53.77,"end":56.51},{"sentences":[{"text":"Twentieth eleventh eighty eight, and the address is 20th 25.","start":57.02,"end":61.68,"sentiment":"neutral","sentiment_score":0.014703712007030845}],"sentiment":"neutral","sentiment_score":0.014703712007030845,"channel":1,"num_words":10,"start":57.02,"end":61.68},{"sentences":[{"text":"Sensational.","start":63.93,"end":64.43,"sentiment":"neutral","sentiment_score":0.0789107084274292},{"text":"And I've got your email address as seandachau@hotmail.com.","start":65.049995,"end":68.814995,"sentiment":"neutral","sentiment_score":0.021627845242619514},{"text":"Is that still current?","start":68.814995,"end":69.875,"sentiment":"neutral","sentiment_score":0.018421461572870612}],"sentiment":"neutral","sentiment_score":0.02504763974306675,"channel":0,"num_words":13,"start":63.93,"end":69.875},{"sentences":[{"text":"Yes.","start":70.06,"end":70.3,"sentiment":"neutral","sentiment_score":0.1262437105178833},{"text":"It 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coming?","start":75.774994,"end":79.875,"sentiment":"neutral","sentiment_score":0.10114609003067017}],"sentiment":"neutral","sentiment_score":0.13873849970263405,"channel":0,"num_words":37,"start":71.615,"end":79.875},{"sentences":[{"text":"Yep.","start":80.875,"end":80.955,"sentiment":"neutral","sentiment_score":0.03712711110711098},{"text":"Just I just told you for what's your mate.","start":80.955,"end":83.775,"sentiment":"neutral","sentiment_score":0.026569838946064312}],"sentiment":"neutral","sentiment_score":0.02762556616216898,"channel":1,"num_words":10,"start":80.875,"end":83.775},{"sentences":[{"text":"Yep.","start":84.76,"end":85.08,"sentiment":"neutral","sentiment_score":0.05776984617114067},{"text":"No worries at all.","start":85.08,"end":86.3,"sentiment":"neutral","sentiment_score":0.040999364107847214},{"text":"Now is there anything in particular to this review that you want me to focus on, mate?","start":86.68,"end":90.6,"sentiment":"neutral","sentiment_score":0.010337792775210212},{"text":"Anything that sort of changed for you guys?","start":90.6,"end":92.36,"sentiment":"neutral","sentiment_score":-0.06616996740922332},{"text":"I I know that there hasn't been much changes in your circumstance.","start":92.36,"end":95.66,"sentiment":"neutral","sentiment_score":-0.15210753555099168}],"sentiment":"neutral","sentiment_score":-0.04659858062153771,"channel":0,"num_words":42,"start":84.76,"end":95.66},{"sentences":[{"text":"No.","start":97.575,"end":97.975,"sentiment":"neutral","sentiment_score":-0.19132542610168457},{"text":"Not not really.","start":97.975,"end":98.695,"sentiment":"neutral","sentiment_score":-0.2463303655385971},{"text":"Just wanna see I know it's been a bit of a bad sort of financial sort of year with everything going in the economy.","start":98.695,"end":104.455,"sentiment":"neutral","sentiment_score":-0.31032116369654733},{"text":"Just sort of wanna know how much that sort of hurt hurt hurt me super this year.","start":104.455,"end":109.435,"sentiment":"negative","sentiment_score":-0.5393357925555285}],"sentiment":"negative","sentiment_score":-0.3899273983306355,"channel":1,"num_words":45,"start":97.575,"end":109.435},{"sentences":[{"text":"Absolutely.","start":110.57,"end":111.07,"sentiment":"neutral","sentiment_score":0.19459527730941772},{"text":"So what I'll do for this review, just with our new system, I'm gonna double check with a few of these details just to make sure it's accurate, and I'll run through that super firsthand.","start":111.13,"end":121.55,"sentiment":"neutral","sentiment_score":0.22277379035949707}],"sentiment":"neutral","sentiment_score":0.22199105388588375,"channel":0,"num_words":36,"start":110.57,"end":121.55},{"sentences":[{"text":"Yep.","start":122.17,"end":122.67,"sentiment":"neutral","sentiment_score":0.17899011075496674}],"sentiment":"neutral","sentiment_score":0.17899011075496674,"channel":1,"num_words":1,"start":122.17,"end":122.67},{"sentences":[{"text":"Then we'll just run through a quick update on the insurances, the beneficiaries, and then I can pretty much let you go.","start":122.825,"end":131.005,"sentiment":"neutral","sentiment_score":0.1860493685711514}],"sentiment":"neutral","sentiment_score":0.1860493685711514,"channel":0,"num_words":22,"start":122.825,"end":131.005},{"sentences":[{"text":"Yep.","start":131.295,"end":131.61499,"sentiment":"neutral","sentiment_score":0.15091656148433685},{"text":"Not eating milk.","start":131.61499,"end":132.595,"sentiment":"neutral","sentiment_score":0.10275633384784062}],"sentiment":"neutral","sentiment_score":0.11479639075696468,"channel":1,"num_words":4,"start":131.295,"end":132.595},{"sentences":[{"text":"Awesome.","start":133.065,"end":133.465,"sentiment":"positive","sentiment_score":0.5550295114517212},{"text":"So I just wanted to quickly start with the the previous goals there because from what I could see, there's a bit of a focus on obviously getting, like, fully qualified in your role and then, like, buying a piece of land, building on 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right?","start":151.72,"end":152.955,"sentiment":"neutral","sentiment_score":0.10358250737190247}],"sentiment":"neutral","sentiment_score":0.1399298342210906,"channel":0,"num_words":14,"start":148.84,"end":152.955},{"sentences":[{"text":"Yes.","start":153.015,"end":153.415,"sentiment":"neutral","sentiment_score":0.08340062201023102},{"text":"Yes.","start":153.415,"end":153.575,"sentiment":"neutral","sentiment_score":0.10155245661735536},{"text":"I get ticked off from apprenticeship in 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and give my resignation there and jump into my new job.","start":180.02,"end":186.605,"sentiment":"neutral","sentiment_score":0.10997319535205238}],"sentiment":"neutral","sentiment_score":0.10997319535205238,"channel":1,"num_words":19,"start":180.02,"end":186.605},{"sentences":[{"text":"Perfect.","start":186.345,"end":186.845,"sentiment":"positive","sentiment_score":0.5642176866531372},{"text":"Fantastic.","start":187.38501,"end":187.88501,"sentiment":"positive","sentiment_score":0.5188003778457642},{"text":"So I had you set at about $65 a year.","start":188.185,"end":191.49,"sentiment":"neutral","sentiment_score":0.15000850409269334},{"text":"You'll say 900 a shift.","start":191.49,"end":193.41,"sentiment":"neutral","sentiment_score":0.0793342798948288},{"text":"Is that, like, five shifts a week, or how could I","start":193.41,"end":196.29001,"sentiment":"neutral","sentiment_score":0.059462253004312515}],"sentiment":"neutral","sentiment_score":0.12978068885526486,"channel":0,"num_words":28,"start":186.345,"end":196.29001},{"sentences":[{"text":"It's","start":196.22,"end":196.72,"sentiment":"neutral","sentiment_score":0.04835683852434158}],"sentiment":"neutral","sentiment_score":0.04835683852434158,"channel":1,"num_words":1,"start":196.22,"end":196.72},{"sentences":[{"text":"work that out?","start":196.29001,"end":197.27,"sentiment":"neutral","sentiment_score":0.046987101435661316}],"sentiment":"neutral","sentiment_score":0.046987101435661316,"channel":0,"num_words":3,"start":196.29001,"end":197.27},{"sentences":[{"text":"it's it's two on one roster for two weeks on one week off.","start":196.78,"end":200.32,"sentiment":"neutral","sentiment_score":0.051441927368824296}],"sentiment":"neutral","sentiment_score":0.051441927368824296,"channel":1,"num_words":13,"start":196.78,"end":200.32},{"sentences":[{"text":"Yep.","start":201.17,"end":201.67,"sentiment":"neutral","sentiment_score":0.05603036284446716},{"text":"And fourteen days straight for the two on 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okay.","start":431.16498,"end":434.305,"sentiment":"neutral","sentiment_score":0.10251626768149436}],"sentiment":"neutral","sentiment_score":0.10251626768149436,"channel":0,"num_words":16,"start":431.16498,"end":434.305},{"sentences":[{"text":"Yep.","start":435.00497,"end":435.50497,"sentiment":"neutral","sentiment_score":0.14283087849617004}],"sentiment":"neutral","sentiment_score":0.14283087849617004,"channel":1,"num_words":1,"start":435.00497,"end":435.50497},{"sentences":[{"text":"So even though I may not change the the risk category, we'll keep you as high growth for the time being.","start":436.46,"end":442.16,"sentiment":"neutral","sentiment_score":0.16732576205616906}],"sentiment":"neutral","sentiment_score":0.16732576205616906,"channel":0,"num_words":21,"start":436.46,"end":442.16},{"sentences":[{"text":"Yep.","start":442.53,"end":443.03,"sentiment":"neutral","sentiment_score":0.08870242536067963}],"sentiment":"neutral","sentiment_score":0.08870242536067963,"channel":1,"num_words":1,"start":442.53,"end":443.03},{"sentences":[{"text":"Out of all the eight options that you've got, seven of them have all gone up double digits for the year, and one of them has been down a bit.","start":443.02,"end":450.325,"sentiment":"neutral","sentiment_score":-0.10548538513636838},{"text":"Normally,","start":450.625,"end":451.125,"sentiment":"neutral","sentiment_score":-0.14214138686656952}],"sentiment":"neutral","sentiment_score":-0.10666783680508454,"channel":0,"num_words":31,"start":443.02,"end":451.125},{"sentences":[{"text":"Yep.","start":450.77,"end":451.27,"sentiment":"neutral","sentiment_score":-0.08630862087011337}],"sentiment":"neutral","sentiment_score":-0.08630862087011337,"channel":1,"num_words":1,"start":450.77,"end":451.27},{"sentences":[{"text":"one out of seven being down is not really much of an issue, but this one in particular has kind of dropped a lot further than all the other Australian options and the Australian market.","start":451.665,"end":462.52002,"sentiment":"negative","sentiment_score":-0.3460329885993685},{"text":"It's a Benelon option, and it's had a bit faster drop than I would have expected compared to the other ones, if that makes sense.","start":462.52002,"end":470.30002,"sentiment":"neutral","sentiment_score":-0.27256703823804856}],"sentiment":"neutral","sentiment_score":-0.31542217594881855,"channel":0,"num_words":60,"start":451.665,"end":470.30002},{"sentences":[{"text":"Okay.","start":470.61,"end":471.11,"sentiment":"neutral","sentiment_score":0.02842526137828827},{"text":"Yep.","start":471.16998,"end":471.66998,"sentiment":"neutral","sentiment_score":0.10178671777248384}],"sentiment":"neutral","sentiment_score":0.06510598957538605,"channel":1,"num_words":2,"start":470.61,"end":471.66998},{"sentences":[{"text":"So what that basically means for you is, yep, it's still up positive for the year, but rather than just sitting there watching that one and waiting for it to come back, I'm actually proposing to replace that option sooner rather than later.","start":472.285,"end":484.30502,"sentiment":"neutral","sentiment_score":0.19363395012048787}],"sentiment":"neutral","sentiment_score":0.19363395012048787,"channel":0,"num_words":43,"start":472.285,"end":484.30502},{"sentences":[{"text":"Yep.","start":484.385,"end":484.70502,"sentiment":"neutral","sentiment_score":0.16061195731163025},{"text":"Yeah.","start":484.70502,"end":484.945,"sentiment":"neutral","sentiment_score":0.20289793610572815},{"text":"Yeah.","start":484.945,"end":485.185,"sentiment":"neutral","sentiment_score":0.2649109959602356},{"text":"I'm I'm keen for that, mate.","start":485.185,"end":486.305,"sentiment":"positive","sentiment_score":0.46736035744349164},{"text":"Yeah.","start":486.305,"end":486.805,"sentiment":"positive","sentiment_score":0.3405740261077881}],"sentiment":"positive","sentiment_score":0.37731570601463316,"channel":1,"num_words":10,"start":484.385,"end":486.805},{"sentences":[{"text":"Whatever you","start":487.185,"end":488.065,"sentiment":"positive","sentiment_score":0.3539922535419464}],"sentiment":"positive","sentiment_score":0.3539922535419464,"channel":1,"num_words":2,"start":487.185,"end":488.065},{"sentences":[{"text":"Cool.","start":487.93,"end":488.43,"sentiment":"positive","sentiment_score":0.4424382448196411}],"sentiment":"positive","sentiment_score":0.4424382448196411,"channel":0,"num_words":1,"start":487.93,"end":488.43},{"sentences":[{"text":"sort of recommend, mate, I'll be definitely happy with that.","start":488.065,"end":490.725,"sentiment":"positive","sentiment_score":0.6165977865457535}],"sentiment":"positive","sentiment_score":0.6165977865457535,"channel":1,"num_words":10,"start":488.065,"end":490.725},{"sentences":[{"text":"Yep.","start":490.89,"end":491.29,"sentiment":"neutral","sentiment_score":0.27001047134399414},{"text":"I've already done some research with the investment committee, and we've got a few up our sleeves that we've been looking at.","start":491.29,"end":496.725,"sentiment":"neutral","sentiment_score":0.2510686699639667}],"sentiment":"neutral","sentiment_score":0.25189222654570703,"channel":0,"num_words":23,"start":490.89,"end":496.725},{"sentences":[{"text":"Yep.","start":496.40002,"end":496.90002,"sentiment":"neutral","sentiment_score":0.15880654752254486}],"sentiment":"neutral","sentiment_score":0.15880654752254486,"channel":1,"num_words":1,"start":496.40002,"end":496.90002},{"sentences":[{"text":"The only question I've got for you is you can basically choose between low fee funds, passive, that follows the market very, very closely, or you pay a bit higher fees to try and get a higher return.","start":497.765,"end":511.625,"sentiment":"neutral","sentiment_score":0.08196437898042955},{"text":"There's no wrong answer to this question.","start":512.42,"end":514.01996,"sentiment":"neutral","sentiment_score":0.11058207601308823},{"text":"It just helps me whittle it down, but do you have a gut feeling on where you lean between the two?","start":514.01996,"end":518.76,"sentiment":"neutral","sentiment_score":0.07660732773088273}],"sentiment":"neutral","sentiment_score":0.08329507296509815,"channel":0,"num_words":66,"start":497.765,"end":518.76},{"sentences":[{"text":"What's what sort of what what's been sort of, yeah, sort of performing better?","start":519.735,"end":525.96,"sentiment":"neutral","sentiment_score":0.006345461521829877}],"sentiment":"neutral","sentiment_score":0.006345461521829877,"channel":1,"num_words":14,"start":519.735,"end":525.96},{"sentences":[{"text":"Well, the funny thing about that is I've had some options that are pretty much neck and neck.","start":527.285,"end":531.865,"sentiment":"neutral","sentiment_score":-0.05251530661351151},{"text":"So it really just about how it behaves.","start":531.925,"end":534.185,"sentiment":"neutral","sentiment_score":0.029399407096207142},{"text":"So you've currently got seven options that are passive low fee, one option that is a bit higher fees, that one's been underperforming.","start":534.485,"end":541.94,"sentiment":"neutral","sentiment_score":0.012247765274799389},{"text":"I can either switch it out like for like, or I can go something with a bit lower fees and better performance as well.","start":542.64,"end":548.66,"sentiment":"neutral","sentiment_score":0.09085770665357511}],"sentiment":"neutral","sentiment_score":0.02400278491414573,"channel":0,"num_words":73,"start":527.285,"end":548.66},{"sentences":[{"text":"Yeah.","start":548.77,"end":549.01,"sentiment":"neutral","sentiment_score":0.09918342530727386},{"text":"I was I was gonna, like, say, spinach, spinach, lunch one, please, mate.","start":549.01,"end":551.91003,"sentiment":"neutral","sentiment_score":0.0907486894956002}],"sentiment":"neutral","sentiment_score":0.09135117062500545,"channel":1,"num_words":14,"start":548.77,"end":551.91003},{"sentences":[{"text":"Yep.","start":552.415,"end":552.815,"sentiment":"neutral","sentiment_score":0.2727898359298706},{"text":"I'll give that a bit of a switch in for you.","start":552.815,"end":555.315,"sentiment":"neutral","sentiment_score":0.3119707134636966},{"text":"As usual,","start":555.455,"end":556.09503,"sentiment":"positive","sentiment_score":0.3579103350639343}],"sentiment":"neutral","sentiment_score":0.31573488243988584,"channel":0,"num_words":14,"start":552.415,"end":556.09503},{"sentences":[{"text":"Yep.","start":555.73004,"end":556.23004,"sentiment":"neutral","sentiment_score":0.3177807331085205}],"sentiment":"neutral","sentiment_score":0.3177807331085205,"channel":1,"num_words":1,"start":555.73004,"end":556.23004},{"sentences":[{"text":"I'll update your advice document and actually show you the differences between before you sign up on it.","start":556.09503,"end":562.415,"sentiment":"neutral","sentiment_score":0.24480369521511924},{"text":"So just give me about a week or two just to put together some comparisons and get you booked in for that brief catch up with me.","start":562.415,"end":570.64996,"sentiment":"neutral","sentiment_score":0.2644586220935539}],"sentiment":"neutral","sentiment_score":0.25659665134218,"channel":0,"num_words":45,"start":556.09503,"end":570.64996},{"sentences":[{"text":"Yep.","start":570.275,"end":570.775,"sentiment":"neutral","sentiment_score":0.12346597015857697},{"text":"Yep.","start":570.835,"end":571.155,"sentiment":"neutral","sentiment_score":0.13863888382911682},{"text":"Yep.","start":571.155,"end":571.555,"sentiment":"neutral","sentiment_score":0.2719077467918396},{"text":"Sounds 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reckon.","start":592.165,"end":596.665,"sentiment":"negative","sentiment_score":-0.36675903797149656},{"text":"So","start":596.885,"end":597.385,"sentiment":"neutral","sentiment_score":-0.14201372861862183}],"sentiment":"neutral","sentiment_score":-0.22882479152509144,"channel":1,"num_words":35,"start":585.85,"end":597.385},{"sentences":[{"text":"So I've got a bit of an idea there.","start":597.96,"end":600.14,"sentiment":"neutral","sentiment_score":-0.17276966985729006},{"text":"Previous partner was 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sense, but you've got to kind of aim your super at your estate, like a will, and have, like, a will put in place.","start":627.66003,"end":638.32,"sentiment":"neutral","sentiment_score":0.0563373938202858}],"sentiment":"neutral","sentiment_score":0.04447659028724569,"channel":0,"num_words":61,"start":612.975,"end":638.32},{"sentences":[{"text":"Okay.","start":639.63,"end":640.13,"sentiment":"neutral","sentiment_score":0.11589999496936798},{"text":"Yeah.","start":643.235,"end":643.735,"sentiment":"neutral","sentiment_score":0.12049394845962524},{"text":"I don't know.","start":645.635,"end":646.27496,"sentiment":"neutral","sentiment_score":0.03766753152012825},{"text":"I I thought I think that that one was actually 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different,","start":666.11,"end":668.545,"sentiment":"neutral","sentiment_score":0.11274055604423795}],"sentiment":"neutral","sentiment_score":0.26026672107535737,"channel":0,"num_words":43,"start":654.75,"end":668.545},{"sentences":[{"text":"Yep.","start":668.405,"end":668.905,"sentiment":"neutral","sentiment_score":0.2321440428495407}],"sentiment":"neutral","sentiment_score":0.2321440428495407,"channel":1,"num_words":1,"start":668.405,"end":668.905},{"sentences":[{"text":"that's a bit easier for you is the life insurance.","start":668.545,"end":671.605,"sentiment":"positive","sentiment_score":0.39581592082977296},{"text":"So that can go anywhere because it's just a straight up life policy.","start":672.945,"end":675.825,"sentiment":"neutral","sentiment_score":0.32361610806905305},{"text":"You pass away, this person gets 290,000.","start":675.825,"end":678.72504,"sentiment":"neutral","sentiment_score":0.09493221449000495},{"text":"Do you","start":678.865,"end":679.185,"sentiment":"neutral","sentiment_score":0.20215633511543274}],"sentiment":"neutral","sentiment_score":0.28856271202676,"channel":0,"num_words":32,"start":668.545,"end":679.185},{"sentences":[{"text":"Yep.","start":679.125,"end":679.625,"sentiment":"neutral","sentiment_score":0.15302088856697085}],"sentiment":"neutral","sentiment_score":0.15302088856697085,"channel":1,"num_words":1,"start":679.125,"end":679.625},{"sentences":[{"text":"want me to nominate him for that one?","start":679.185,"end":681.3,"sentiment":"neutral","sentiment_score":0.1632544808089733}],"sentiment":"neutral","sentiment_score":0.1632544808089733,"channel":0,"num_words":8,"start":679.185,"end":681.3},{"sentences":[{"text":"Yes, 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you?","start":701.09503,"end":702.23505,"sentiment":"positive","sentiment_score":0.4215529188513756}],"sentiment":"neutral","sentiment_score":0.2044218803445498,"channel":0,"num_words":36,"start":694.575,"end":702.23505},{"sentences":[{"text":"If you can post it with a return envelope, mate, that'd be good.","start":702.485,"end":706.90497,"sentiment":"positive","sentiment_score":0.3825397743628575}],"sentiment":"positive","sentiment_score":0.3825397743628575,"channel":1,"num_words":13,"start":702.485,"end":706.90497},{"sentences":[{"text":"Of course.","start":707.51,"end":708.15,"sentiment":"neutral","sentiment_score":0.25790704786777496},{"text":"Absolutely done.","start":708.15,"end":709.21,"sentiment":"positive","sentiment_score":0.528887927532196},{"text":"That'll come out there.","start":709.59,"end":710.79,"sentiment":"positive","sentiment_score":0.44908296316862106},{"text":"I would normally send you a hub 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thought?","start":716.63,"end":721.755,"sentiment":"neutral","sentiment_score":0.12029332319895426}],"sentiment":"neutral","sentiment_score":0.11459241244528029,"channel":0,"num_words":45,"start":712.95,"end":721.755},{"sentences":[{"text":"Maybe send that as well, mate.","start":722.26,"end":723.88,"sentiment":"neutral","sentiment_score":0.19399414211511612},{"text":"So","start":724.42,"end":724.58,"sentiment":"neutral","sentiment_score":0.1475439816713333}],"sentiment":"neutral","sentiment_score":0.18735840490886144,"channel":1,"num_words":7,"start":722.26,"end":724.58},{"sentences":[{"text":"Okay.","start":724.475,"end":724.975,"sentiment":"neutral","sentiment_score":0.1490570902824402}],"sentiment":"neutral","sentiment_score":0.1490570902824402,"channel":0,"num_words":1,"start":724.475,"end":724.975},{"sentences":[{"text":"you send that.","start":724.58,"end":725.14,"sentiment":"neutral","sentiment_score":0.12082313001155853},{"text":"So, yeah, if I do that, I might rate the state mode balance.","start":725.14,"end":728.2,"sentiment":"neutral","sentiment_score":0.12600036481252083},{"text":"Then put it in the Nathan's Nathan's or something like that.","start":728.66504,"end":731.465,"sentiment":"neutral","sentiment_score":0.09279608624902638},{"text":"So if that does happen to me, they should got something to help her and what?","start":731.465,"end":735.16504,"sentiment":"neutral","sentiment_score":0.17126274993643165}],"sentiment":"neutral","sentiment_score":0.13398686233301496,"channel":1,"num_words":43,"start":724.58,"end":735.16504},{"sentences":[{"text":"Yep.","start":736.09,"end":736.49,"sentiment":"neutral","sentiment_score":0.2587176263332367},{"text":"Cool.","start":736.49,"end":736.81,"sentiment":"positive","sentiment_score":0.4354337453842163},{"text":"Alright.","start":736.81,"end":737.13,"sentiment":"neutral","sentiment_score":0.3254168927669525},{"text":"So I'll send both forms down.","start":737.13,"end":738.97003,"sentiment":"neutral","sentiment_score":0.28140057623386383},{"text":"When you get them, just give us a buzz and we can kind of walk you through it a little bit, what your options are.","start":738.97003,"end":744.19,"sentiment":"neutral","sentiment_score":0.32659844994544984}],"sentiment":"neutral","sentiment_score":0.31979214619187746,"channel":0,"num_words":34,"start":736.09,"end":744.19},{"sentences":[{"text":"Yep.","start":744.43,"end":744.93,"sentiment":"neutral","sentiment_score":0.11907947063446044}],"sentiment":"neutral","sentiment_score":0.11907947063446044,"channel":1,"num_words":1,"start":744.43,"end":744.93},{"sentences":[{"text":"For tel and hub.","start":746.65,"end":748.27,"sentiment":"neutral","sentiment_score":0.08329873066395521},{"text":"Easy done.","start":749.245,"end":750.065,"sentiment":"neutral","sentiment_score":0.2839740142226219},{"text":"And the last thing is just with those insurances, so you've got one policy that you're paying for out of pocket that would just come out two weeks ago for,","start":750.845,"end":761.26495,"sentiment":"neutral","sentiment_score":0.01971464198625957}],"sentiment":"neutral","sentiment_score":0.041460616963579215,"channel":0,"num_words":36,"start":746.65,"end":761.26495},{"sentences":[{"text":"Yep.","start":760.815,"end":761.315,"sentiment":"neutral","sentiment_score":0.06178503483533859}],"sentiment":"neutral","sentiment_score":0.06178503483533859,"channel":1,"num_words":1,"start":760.815,"end":761.315},{"sentences":[{"text":"that's your trauma cover.","start":761.99,"end":763.43,"sentiment":"neutral","sentiment_score":0.016141144558787346},{"text":"So $50 for side effects, stroke, and cancer.","start":763.43,"end":767.52997,"sentiment":"neutral","sentiment_score":-0.035887548234313726},{"text":"That's set to a yearly premium.","start":768.23,"end":769.93,"sentiment":"neutral","sentiment_score":-0.03513938343773285},{"text":"I just wanted to see, like, it's a 156.","start":770.23,"end":772.87,"sentiment":"neutral","sentiment_score":0.0649251321123706},{"text":"Was that okay?","start":772.87,"end":773.76996,"sentiment":"neutral","sentiment_score":0.10749769334991773}],"sentiment":"neutral","sentiment_score":0.015781572026511034,"channel":0,"num_words":30,"start":761.99,"end":773.76996},{"sentences":[{"text":"Is it is it jumped up too much for you?","start":773.82996,"end":775.67,"sentiment":"neutral","sentiment_score":-0.16674974597990513},{"text":"Are you okay to keep that one going?","start":775.67,"end":777.52997,"sentiment":"neutral","sentiment_score":-0.018649854697287083}],"sentiment":"neutral","sentiment_score":-0.10092757207651933,"channel":0,"num_words":18,"start":773.82996,"end":777.52997},{"sentences":[{"text":"That yeah.","start":778.83,"end":780.05,"sentiment":"neutral","sentiment_score":-0.016696397215127945},{"text":"So that's what I got.","start":782.02997,"end":782.91,"sentiment":"neutral","sentiment_score":0.00501041691750288},{"text":"Yeah.","start":782.91,"end":783.14996,"sentiment":"neutral","sentiment_score":-0.0568707138299942},{"text":"Like you said, if I can't if I got cancer or injure myself or anything like that.","start":783.14996,"end":787.425,"sentiment":"neutral","sentiment_score":-0.23470696324811263}],"sentiment":"neutral","sentiment_score":-0.162209191955626,"channel":1,"num_words":25,"start":778.83,"end":787.425},{"sentences":[{"text":"Yeah.","start":788.515,"end":788.835,"sentiment":"neutral","sentiment_score":0.0028800852596759796},{"text":"So the way it kind of steps out is, like, life insurance.","start":788.835,"end":791.495,"sentiment":"neutral","sentiment_score":0.0558307363341252},{"text":"Self explanatory.","start":791.66003,"end":792.48004,"sentiment":"neutral","sentiment_score":0.05365657061338425},{"text":"You pass away, there's a lump 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mate.","start":981.275,"end":982.575,"sentiment":"neutral","sentiment_score":0.17422418668866158}],"sentiment":"neutral","sentiment_score":0.1439252425916493,"channel":1,"num_words":8,"start":980.875,"end":982.575},{"sentences":[{"text":"K.","start":983.38995,"end":983.70996,"sentiment":"neutral","sentiment_score":0.0188044011592865},{"text":"Would you prefer that in three months or just wait for Christmas time?","start":983.70996,"end":986.26996,"sentiment":"neutral","sentiment_score":0.021442150697112083},{"text":"What's easier for you?","start":986.26996,"end":987.23,"sentiment":"neutral","sentiment_score":0.05956749618053436},{"text":"I know you're a busy man.","start":987.23,"end":988.52997,"sentiment":"neutral","sentiment_score":-0.030998962620894115}],"sentiment":"neutral","sentiment_score":0.014576190384104848,"channel":0,"num_words":24,"start":983.38995,"end":988.52997},{"sentences":[{"text":"Through Christmas time, mate, just get everything settled in and everything like that.","start":989.29004,"end":993.47003,"sentiment":"neutral","sentiment_score":0.028000317657223113}],"sentiment":"neutral","sentiment_score":0.028000317657223113,"channel":1,"num_words":13,"start":989.29004,"end":993.47003},{"sentences":[{"text":"Yep.","start":994.14496,"end":994.545,"sentiment":"neutral","sentiment_score":0.20420783758163452},{"text":"Easy done.","start":994.545,"end":995.02496,"sentiment":"positive","sentiment_score":0.3949308544397354},{"text":"Six months time, Christmas.","start":995.02496,"end":996.32495,"sentiment":"neutral","sentiment_score":0.23929572477936745},{"text":"We'll do the super in a couple of weeks, and that's easy done.","start":996.70496,"end":999.605,"sentiment":"positive","sentiment_score":0.34559011688599217},{"text":"Any questions for me so far?","start":999.90497,"end":1001.52496,"sentiment":"neutral","sentiment_score":0.07444779761135578}],"sentiment":"neutral","sentiment_score":0.2650234904140234,"channel":0,"num_words":26,"start":994.14496,"end":1001.52496},{"sentences":[{"text":"Yep.","start":1001.325,"end":1001.64496,"sentiment":"neutral","sentiment_score":0.08007729798555374},{"text":"Nah.","start":1001.64496,"end":1001.96497,"sentiment":"neutral","sentiment_score":0.10416411608457564},{"text":"Nah.","start":1001.96497,"end":1002.20496,"sentiment":"neutral","sentiment_score":0.19119247794151303},{"text":"Happy as well.","start":1002.20496,"end":1003.345,"sentiment":"positive","sentiment_score":0.40177926421165466}],"sentiment":"neutral","sentiment_score":0.2634619474411011,"channel":1,"num_words":6,"start":1001.325,"end":1003.345},{"sentences":[{"text":"Fantastic.","start":1004.305,"end":1004.805,"sentiment":"positive","sentiment_score":0.648621678352356},{"text":"So that pack I've sent out to you, that includes all the reports for the super and the insurance, updated service guide with a lot of license info, privacy policy, as well as an updated service agreement as well.","start":1005.02496,"end":1017.69,"sentiment":"neutral","sentiment_score":0.3034416391299321},{"text":"Just","start":1017.91,"end":1018.14996,"sentiment":"neutral","sentiment_score":0.14840783178806305}],"sentiment":"neutral","sentiment_score":0.30807935210262855,"channel":0,"num_words":41,"start":1004.305,"end":1018.14996},{"sentences":[{"text":"Yep.","start":1017.98004,"end":1018.48004,"sentiment":"neutral","sentiment_score":0.11229634284973145}],"sentiment":"neutral","sentiment_score":0.11229634284973145,"channel":1,"num_words":1,"start":1017.98004,"end":1018.48004},{"sentences":[{"text":"bear in mind, Sean, it's the exact same phase as last year, 1.65% spread throughout the year.","start":1018.14996,"end":1024.475,"sentiment":"neutral","sentiment_score":0.0874774252228877},{"text":"But","start":1024.855,"end":1025.255,"sentiment":"neutral","sentiment_score":0.06481369584798813}],"sentiment":"neutral","sentiment_score":0.0862183291465044,"channel":0,"num_words":18,"start":1018.14996,"end":1025.255},{"sentences":[{"text":"Yep.","start":1024.9401,"end":1025.235,"sentiment":"neutral","sentiment_score":0.05298113822937012}],"sentiment":"neutral","sentiment_score":0.05298113822937012,"channel":1,"num_words":1,"start":1024.9401,"end":1025.235},{"sentences":[{"text":"next year, we're bringing in a tiered structure to everyone above $200, which you are.","start":1025.255,"end":1030.055,"sentiment":"neutral","sentiment_score":0.06825366790095964},{"text":"They're gonna","start":1030.055,"end":1030.535,"sentiment":"neutral","sentiment_score":0.07672818750143051}],"sentiment":"neutral","sentiment_score":0.0692506702068974,"channel":0,"num_words":17,"start":1025.255,"end":1030.535},{"sentences":[{"text":"Yep.","start":1030.355,"end":1030.855,"sentiment":"neutral","sentiment_score":0.06654496490955353}],"sentiment":"neutral","sentiment_score":0.06654496490955353,"channel":1,"num_words":1,"start":1030.355,"end":1030.855},{"sentences":[{"text":"start getting some step down discounts next","start":1030.535,"end":1033.175,"sentiment":"neutral","sentiment_score":0.05993662455252239}],"sentiment":"neutral","sentiment_score":0.05993662455252239,"channel":0,"num_words":7,"start":1030.535,"end":1033.175},{"sentences":[{"text":"Oh,","start":1033.155,"end":1033.475,"sentiment":"neutral","sentiment_score":0.02227124571800232}],"sentiment":"neutral","sentiment_score":0.02227124571800232,"channel":1,"num_words":1,"start":1033.155,"end":1033.475},{"sentences":[{"text":"year.","start":1033.175,"end":1033.675,"sentiment":"neutral","sentiment_score":0.02645651251077652}],"sentiment":"neutral","sentiment_score":0.02645651251077652,"channel":0,"num_words":1,"start":1033.175,"end":1033.675},{"sentences":[{"text":"yes.","start":1033.475,"end":1033.875,"sentiment":"neutral","sentiment_score":0.058774564415216446},{"text":"Yes.","start":1033.875,"end":1034.355,"sentiment":"neutral","sentiment_score":0.11632274091243744},{"text":"Good to me.","start":1034.355,"end":1035.1749,"sentiment":"neutral","sentiment_score":0.28958921631177265}],"sentiment":"neutral","sentiment_score":0.20877299085259438,"channel":1,"num_words":5,"start":1033.475,"end":1035.1749},{"sentences":[{"text":"Cool.","start":1035.9501,"end":1036.27,"sentiment":"neutral","sentiment_score":0.29320546984672546},{"text":"So I'll put this one through as is for now.","start":1036.27,"end":1038.4501,"sentiment":"neutral","sentiment_score":0.12810768708586692},{"text":"In six months time, we'll sort the insurance out with a new job, and then next year's review will be on that new structure.","start":1038.83,"end":1044.85,"sentiment":"neutral","sentiment_score":0.08796012805153926}],"sentiment":"neutral","sentiment_score":0.10529501182692391,"channel":0,"num_words":35,"start":1035.9501,"end":1044.85},{"sentences":[{"text":"Yep.","start":1045.26,"end":1045.74,"sentiment":"neutral","sentiment_score":0.21606290340423584},{"text":"Sounds perfect.","start":1045.74,"end":1046.5599,"sentiment":"positive","sentiment_score":0.5834440886974335}],"sentiment":"positive","sentiment_score":0.4609836935997009,"channel":1,"num_words":3,"start":1045.26,"end":1046.5599},{"sentences":[{"text":"Amazing, mate.","start":1047.5651,"end":1047.885,"sentiment":"positive","sentiment_score":0.5606791079044342},{"text":"If you have any questions in between, give us a bell.","start":1047.885,"end":1050.045,"sentiment":"neutral","sentiment_score":0.17893380062146622},{"text":"If not, keep an ear out for the team in a couple of weeks when you get those beneficiaries and just for that portfolio update.","start":1050.045,"end":1055.905,"sentiment":"neutral","sentiment_score":0.18147047966718674}],"sentiment":"neutral","sentiment_score":0.20069452669275434,"channel":0,"num_words":38,"start":1047.5651,"end":1055.905},{"sentences":[{"text":"Yep.","start":1056.105,"end":1056.505,"sentiment":"neutral","sentiment_score":0.17257259786128998},{"text":"Awesome, mate.","start":1056.505,"end":1057.4049,"sentiment":"positive","sentiment_score":0.4187796711921692},{"text":"Awesome.","start":1057.705,"end":1058.205,"sentiment":"positive","sentiment_score":0.5128432512283325}],"sentiment":"positive","sentiment_score":0.3807437978684902,"channel":1,"num_words":4,"start":1056.105,"end":1058.205},{"sentences":[{"text":"Awesome.","start":1058.285,"end":1058.605,"sentiment":"positive","sentiment_score":0.3920810222625733},{"text":"Anything I can do before I let you go?","start":1058.605,"end":1060.38,"sentiment":"neutral","sentiment_score":0.15712728848059973}],"sentiment":"neutral","sentiment_score":0.18062266185879708,"channel":0,"num_words":10,"start":1058.285,"end":1060.38},{"sentences":[{"text":"No.","start":1060.2649,"end":1060.505,"sentiment":"neutral","sentiment_score":-0.06202178820967674},{"text":"No.","start":1060.505,"end":1060.745,"sentiment":"neutral","sentiment_score":-0.02438376471400261},{"text":"Happy days, mate.","start":1060.745,"end":1061.625,"sentiment":"neutral","sentiment_score":0.12808571755886078},{"text":"Definitely.","start":1061.625,"end":1062.125,"sentiment":"neutral","sentiment_score":0.1324760764837265},{"text":"Not all good with that.","start":1062.585,"end":1063.885,"sentiment":"negative","sentiment_score":-0.6387959599494935}],"sentiment":"neutral","sentiment_score":-0.25124110213734885,"channel":1,"num_words":11,"start":1060.2649,"end":1063.885},{"sentences":[{"text":"Alright.","start":1064.7,"end":1065.2,"sentiment":"neutral","sentiment_score":0.06025447696447373},{"text":"Sean, appreciate you taking the time today, mate, and","start":1065.26,"end":1067.58,"sentiment":"positive","sentiment_score":0.5582822428809272}],"sentiment":"positive","sentiment_score":0.5084794662892819,"channel":0,"num_words":10,"start":1064.7,"end":1067.58},{"sentences":[{"text":"Yep.","start":1067.4501,"end":1067.9501,"sentiment":"positive","sentiment_score":0.3492637574672699}],"sentiment":"positive","sentiment_score":0.3492637574672699,"channel":1,"num_words":1,"start":1067.4501,"end":1067.9501},{"sentences":[{"text":"I shall talk to you in a couple of weeks.","start":1067.58,"end":1069.1969,"sentiment":"neutral","sentiment_score":0.2756210580468178}],"sentiment":"neutral","sentiment_score":0.2756210580468178,"channel":0,"num_words":10,"start":1067.58,"end":1069.1969},{"sentences":[{"text":"Yeah.","start":1069.05,"end":1069.37,"sentiment":"neutral","sentiment_score":0.294979989528656},{"text":"Easy, mate.","start":1069.37,"end":1069.8501,"sentiment":"positive","sentiment_score":0.496113121509552},{"text":"Appreciate it, mate.","start":1069.8501,"end":1070.49,"sentiment":"positive","sentiment_score":0.7199429869651794},{"text":"Have a good week.","start":1070.49,"end":1071.63,"sentiment":"positive","sentiment_score":0.6908275783061981}],"sentiment":"positive","sentiment_score":0.6210345506668091,"channel":1,"num_words":10,"start":1069.05,"end":1071.63},{"sentences":[{"text":"You too.","start":1072.4769,"end":1073.0369,"sentiment":"positive","sentiment_score":0.49877192080020905},{"text":"Cheers.","start":1073.0369,"end":1073.5369,"sentiment":"positive","sentiment_score":0.5228220820426941}],"sentiment":"positive","sentiment_score":0.5067886412143707,"channel":0,"num_words":3,"start":1072.4769,"end":1073.5369},{"sentences":[{"text":"Alright.","start":1073.77,"end":1074.0901,"sentiment":"neutral","sentiment_score":0.30372846126556396},{"text":"Cheers, mate.","start":1074.0901,"end":1074.5701,"sentiment":"positive","sentiment_score":0.47086000442504883},{"text":"Yeah.","start":1074.5701,"end":1075.0701,"sentiment":"neutral","sentiment_score":-0.11716210842132568}],"sentiment":"neutral","sentiment_score":0.282071590423584,"channel":1,"num_words":4,"start":1073.77,"end":1075.0701}]},"summary":{"result":"success","short":"During a review, the senior adviser discusses the customer's financial situation, including savings and debt savings from various investments. They suggest replacing a low fee passive low fee option with a flexible one to boost growth and reduce risk for the gold industry. The speaker emphasizes the importance of updating policies and offers to help with any questions. They also discuss the details of the policy, including coverage for various medical and dental expenses, and plan to update the customer's portfolio and provide policy reviews. The agent emphasizes the importance of updating policies and offers assistance if needed."},"intents":{"segments":[{"text":"I'm just giving you a call to go through that annual review, and I just wanna double check if if you're expecting the call in half an hour with the time difference per se.","start_word":26,"end_word":59,"intents":[{"intent":"Check availability of call in half an hour","confidence_score":0.00065528083}]},{"text":"Do you want me to give you a callback in half an hour or is now a good time?","start_word":73,"end_word":91,"intents":[{"intent":"Ensure call is done","confidence_score":0.0000059645763}]},{"text":"I confirm your date of birth and address, please?","start_word":160,"end_word":168,"intents":[{"intent":"Confirm identity","confidence_score":0.12946412}]},{"text":"And I've got your email address as seandachau@hotmail.com. Is that still current? Yes.","start_word":180,"end_word":192,"intents":[{"intent":"Provide email","confidence_score":0.0023711317}]},{"text":"Just wanna see I know it's been a bit of a bad sort of financial sort of year with everything going in the economy.","start_word":288,"end_word":311,"intents":[{"intent":"Highlight financial situation","confidence_score":0.000523822}]},{"text":"When that's done, do you know what you're expecting the income to change to?","start_word":493,"end_word":506,"intents":[{"intent":"Evaluate job requirements","confidence_score":0.0074161035}]},{"text":"So I'll go through the super with you. Do you log in and have a look every now and then, or is this report kind of a bit of an update for you? Just to report this and update.","start_word":875,"end_word":913,"intents":[{"intent":"Update and report","confidence_score":0.02659795}]},{"text":"So the easiest way I can explain it for your account is you were sitting at $210 a year ago. Yep.","start_word":942,"end_word":962,"intents":[{"intent":"Describe account situation","confidence_score":0.0006131322}]},{"text":"So even though I may not change the the risk category, we'll keep you as high growth for the time being.","start_word":1299,"end_word":1319,"intents":[{"intent":"Express interest in being a high growth","confidence_score":0.0000069215}]},{"text":"It's a Benelon option, and it's had a bit faster drop than I would have expected compared to the other ones, if that makes sense. Okay.","start_word":1388,"end_word":1413,"intents":[{"intent":"Recommend replacing benelon option","confidence_score":0.024168657}]},{"text":"So what that basically means for you is, yep, it's still up positive for the year, but rather than just sitting there watching that one and waiting for it to come back, I'm actually proposing to replace that option sooner rather than later. Yep. Yeah.","start_word":1415,"end_word":1459,"intents":[{"intent":"Express desire to replace cheaper options","confidence_score":0.0000034583}]},{"text":"The only question I've got for you is you can basically choose between low fee funds, passive, that follows the market very, very closely, or you pay a bit higher fees to try and get a higher return.","start_word":1505,"end_word":1542,"intents":[{"intent":"Discuss options for low fee funds","confidence_score":0.040641855},{"intent":"Discuss performance with a higher fee","confidence_score":0.000094416435}]},{"text":"So what I'll do is I will get the team to send out beneficiary forms for Tal to update that with a bit Yep.","start_word":2044,"end_word":2067,"intents":[{"intent":"Update beneficiary forms","confidence_score":0.029802192},{"intent":"Send form","confidence_score":0.014706613}]},{"text":"So, yeah, if I do that, I might rate the state mode balance.","start_word":2190,"end_word":2202,"intents":[{"intent":"Rate state mode balance","confidence_score":0.21175466}]},{"text":"So I'll send both forms down. When you get them, just give us a buzz and we can kind of walk you through it a little bit, what your options are. Yep.","start_word":2233,"end_word":2264,"intents":[{"intent":"Walk through form options","confidence_score":0.01072512}]},{"text":"Now it's pretty pretty low price policy you've got here, which is looking really good, but I just wanna double check, obviously, the purpose of it so I can note that on file. You don't have any debts that I can see of it at this time, but you are intending to, you know, build a property and so on. So are Yep.","start_word":2682,"end_word":2744,"intents":[{"intent":"Update policy details","confidence_score":0.03519333}]},{"text":"So if you're okay with that, what I basically wanna do is just update your your super portfolio over the next couple of weeks with you and sort out the beneficiaries. And then in a few months time, I was wanting to give you a buzz just to see if you got into that new role. I can maybe alter things and and sort that out in a few months time.","start_word":2891,"end_word":2961,"intents":[{"intent":"Update portfolio","confidence_score":0.5330911}]},{"text":"So if you're okay with that, what I basically wanna do is just update your your super portfolio over the next couple of weeks with you and sort out the beneficiaries. And then in a few months time, I was wanting to give you a buzz just to see if you got into that new role. I can maybe alter things and and sort that out in a few months time. Yep.","start_word":2891,"end_word":2962,"intents":[{"intent":"Sort out beneficiaries","confidence_score":0.9208412}]},{"text":"Would you prefer that in three months or just wait for Christmas time? What's easier for you?","start_word":2970,"end_word":2986,"intents":[{"intent":"Provide updates about reporting in three months","confidence_score":4.733689e-9},{"intent":"Clarify options for new job","confidence_score":9.764663e-7}]},{"text":"Six months time, Christmas. We'll do the super in a couple of weeks, and that's easy done. Any questions for me so far? Yep.","start_word":3009,"end_word":3032,"intents":[{"intent":"Schedule super super","confidence_score":0.077085376}]},{"text":"So that pack I've sent out to you, that includes all the reports for the super and the insurance, updated service guide with a lot of license info, privacy policy, as well as an updated service agreement as well. Just Yep.","start_word":3039,"end_word":3079,"intents":[{"intent":"Provide updated service guide","confidence_score":0.010611585}]},{"text":"So I'll put this one through as is for now. In six months time, we'll sort the insurance out with a new job, and then next year's review will be on that new structure. Yep.","start_word":3132,"end_word":3166,"intents":[{"intent":"Provide insurance review on new structure","confidence_score":0.000042135092}]},{"text":"Anything I can do before I let you go? No.","start_word":3212,"end_word":3221,"intents":[{"intent":"Offer assistance before going to review","confidence_score":0.00074798026}]}]},"sentiments":{"segments":[{"text":"Hello? Good day, Sean. It's Tom here, senior adviser of. How are you doing? Yeah.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.21938715875148773},{"text":"Good, mate. Yourself? Living the dream so far. It's been fantastic.","start_word":15,"end_word":25,"sentiment":"positive","sentiment_score":0.6428775191307068},{"text":"I'm just giving you a call to go through that annual review, and I just wanna double check if if you're expecting the call in half an hour with the time difference per se. 04:00, you said on the on the message I got today. Yeah.","start_word":26,"end_word":71,"sentiment":"neutral","sentiment_score":0.17573672533035278},{"text":"Perfect.","start_word":72,"end_word":72,"sentiment":"positive","sentiment_score":0.34932005405426025},{"text":"Do you want me to give you a callback in half an hour or is now a good time? That's fine. Yep. Yeah. So we're good.","start_word":73,"end_word":98,"sentiment":"neutral","sentiment_score":0.126816526055336},{"text":"Yeah. Perfect. Awesome.","start_word":99,"end_word":101,"sentiment":"positive","sentiment_score":0.4805833697319031},{"text":"So before I begin, man, I've got a bit of an annual review pack to email through to you. Yep. And I'm just gonna do the usual security check while I send that through. Yep. So I'm registered with Atticus adviser one two seven three one zero five. We don't have a security question on file. Could Yep. I confirm your date of birth and address, please? Twentieth eleventh eighty eight, and the address is 20th 25. Sensational. And I've got your email address as seandachau@hotmail.com. Is that still current? Yes. It is.","start_word":102,"end_word":194,"sentiment":"neutral","sentiment_score":0.05835694447159767},{"text":"Amazing.","start_word":195,"end_word":195,"sentiment":"positive","sentiment_score":0.3980925679206848},{"text":"Alright. So I've got a bit of a pack I'm sending out through to you now. Will you be able to look onto the emails with me, or should I just walk you through what's coming? Yep. Just I just told you for what's your mate. Yep. No worries at all. Now is there anything in particular to this review that you want me to focus on, mate? Anything that sort of changed for you guys? I I know that there hasn't been much changes in your circumstance. No. Not not really. Just wanna see I know it's been a bit of a bad sort of financial sort of year with everything going in the economy.","start_word":196,"end_word":311,"sentiment":"neutral","sentiment_score":-0.03722478076815605},{"text":"Just sort of wanna know how much that sort of hurt hurt hurt me super this year.","start_word":312,"end_word":328,"sentiment":"negative","sentiment_score":-0.5313904881477356},{"text":"Absolutely. So what I'll do for this review, just with our new system, I'm gonna double check with a few of these details just to make sure it's accurate, and I'll run through that super firsthand. Yep. Then we'll just run through a quick update on the insurances, the beneficiaries, and then I can pretty much let you go. Yep. Not eating milk.","start_word":329,"end_word":391,"sentiment":"neutral","sentiment_score":0.20399852097034457},{"text":"Awesome.","start_word":392,"end_word":392,"sentiment":"positive","sentiment_score":0.5550295114517212},{"text":"So I just wanted to quickly start with the the previous goals there because from what I could see, there's a bit of a focus on obviously getting, like, fully qualified in your role and then, like, buying a piece of land, building on it, Yes. paying it off, traveling Australia, that kind of thing. Does that sound about right? Yes. Yes. I get ticked off from apprenticeship in September. September. Sensational. Yeah. I was hoping that was something early, but the last after all the last apprentices left, so they're holding me to it. So Oh, no. so Okay. When that's done, do you know what you're expecting the income to change to? yeah. Yep. $900 a shift. So I've already got a job organized. Yeah. So I just gotta get me trace certificate and give my resignation there and jump into my new job.","start_word":393,"end_word":538,"sentiment":"neutral","sentiment_score":0.10489460080862044},{"text":"Perfect. Fantastic.","start_word":539,"end_word":540,"sentiment":"positive","sentiment_score":0.5415090322494507},{"text":"So I had you set at about $65 a year. You'll say 900 a shift. Is that, like, five shifts a week, or how could I It's work that out? it's it's two on one roster for two weeks on one week off. Yep. And fourteen days straight for the two on or Yes. Yes. Yep. yep. Okay. It's a pretty big one there. So we'll go actually, I'll work that out in the background there. Two on, one off, 900 a shift. And done. And it's just fittering, so nothing different there. Yeah. True for that. Drill fit. That's it. We had pulling apart and building drill rigs, fabrication maintenance for Boats, long year Yep. currently. Yep. Sensational. Just quickly on the assets and liabilities there, mate, and I've got your suit coming through now. We had the Hilux, the Commodore, and the T Bird as the vehicles. Yes. Cool. Investment property for about a $150, a bit in savings of debt. Cool. Savings was set at 38,000. Have you managed to sort of build that up? Has it gone down? Yep. No. No. What's No. it It's been gone like down. for you? It's gone down a bit.","start_word":541,"end_word":740,"sentiment":"neutral","sentiment_score":0.05549552273005247},{"text":"I think a bit bit reckless for money last probably six months.","start_word":741,"end_word":752,"sentiment":"negative","sentiment_score":-0.42277148365974426},{"text":"So but yeah. But yes. I was having a I had to put my dog down, so I paid a fair bit in debt bills, and that was around Yeah. $910,000 worth of debt bills. And I used that to try save your dog's life when he passed away. So Man, I've heard that a few times this year, and it's it's never fun.","start_word":753,"end_word":816,"sentiment":"neutral","sentiment_score":-0.18897558748722076},{"text":"I have buried the missus dog two years ago and wasn't a good time, and the vets, they're not they're not cheap.","start_word":817,"end_word":838,"sentiment":"negative","sentiment_score":-0.3632705807685852},{"text":"Nah. Nah. They're not. Nah. No. Alright. What do you want me to put the savings The down to about $10.15? Or yeah. No $9, mate. Yeah. Yep. No worries.","start_word":839,"end_word":868,"sentiment":"neutral","sentiment_score":-0.019499696791172028},{"text":"Thank you for that.","start_word":869,"end_word":872,"sentiment":"positive","sentiment_score":0.38533860445022583},{"text":"Yep. Alrighty. So I'll go through the super with you. Do you log in and have a look every now and then, or is this report kind of a bit of an update for you? Just to report this and update. Yep. Sensational. So, basically, you pointed out before what was going on in the world. That caused a drop around about Christmas till March in the super. So the easiest way I can explain it for your account is you were sitting at $210 a year ago. Yep. It went Yep. up, and then it went down to 200 flat in March, and it bounced back up to $2.30, $2.29 $8.05 9 as of today. So Yep. 20 down then 30 back up. Yep. Yep. Not Cool. I'm So I'm pretty sure of that. yeah. I was expecting the high growth funds to be down a bit more, but it's in positive about four or 5%. So we've definitely pulled out a little bit compared to where it was.","start_word":873,"end_word":1042,"sentiment":"neutral","sentiment_score":-0.02902752198278904},{"text":"A lot of high growth funds are still in the negative at the moment.","start_word":1043,"end_word":1056,"sentiment":"negative","sentiment_score":-0.4087762236595154},{"text":"Oh, yep.","start_word":1057,"end_word":1058,"sentiment":"neutral","sentiment_score":0.06632775068283081},{"text":"Oh, I'm good.","start_word":1059,"end_word":1061,"sentiment":"positive","sentiment_score":0.4100020825862885},{"text":"Now with the the high growth, obviously, the whole idea there is growing super as much as you can. You've got the majority of your funds in shares property gold, you know, 90%. That goes up and down like a roller coaster. At some point, we do have to reduce the risk because you don't wanna be high growth at 64, and then if stock market wipes out half your super day before you retire. Does that make sense? Yes. Yep. Yes.","start_word":1062,"end_word":1143,"sentiment":"neutral","sentiment_score":0.018948281183838844},{"text":"Cool.","start_word":1144,"end_word":1144,"sentiment":"positive","sentiment_score":0.3350817561149597},{"text":"Now that's a a pretty good picture actually because you've built up the funds that you have, That level of volatility where it goes up and down $20.30 grand every few months, that's pretty common because it's all percentage back, and it's going up and down ten, twenty, 30% a year. Yep. Now with your goals, obviously, a bit slow and steady towards 67 there, and you've got a bit of time up your sleeve. What are your thoughts just on, like, you know, that cycle tends to repeat itself every five to Yep. seven years where it grows and crashes, grows and crashes. Are you comfortable with how Yeah. it's been playing out for you?","start_word":1145,"end_word":1260,"sentiment":"neutral","sentiment_score":0.040942251682281494},{"text":"Yeah. I'll be I'm happy with that, mate.","start_word":1261,"end_word":1268,"sentiment":"positive","sentiment_score":0.5025002956390381},{"text":"Yeah.","start_word":1269,"end_word":1269,"sentiment":"neutral","sentiment_score":0.169254332780838},{"text":"I was keen to keep going how it is.","start_word":1270,"end_word":1278,"sentiment":"positive","sentiment_score":0.6426743865013123},{"text":"Yep. There is Yeah. a bit of an engine tune up that I do wanna do if that's okay. Yep. So even though I may not change the the risk category, we'll keep you as high growth for the time being. Yep. Out of all the eight options that you've got, seven of them have all gone up double digits for the year, and one of them has been down a bit. Normally, Yep.","start_word":1279,"end_word":1352,"sentiment":"neutral","sentiment_score":0.039416927844285965},{"text":"one out of seven being down is not really much of an issue, but this one in particular has kind of dropped a lot further than all the other Australian options and the Australian market.","start_word":1353,"end_word":1387,"sentiment":"negative","sentiment_score":-0.3451259136199951},{"text":"It's a Benelon option, and it's had a bit faster drop than I would have expected compared to the other ones, if that makes sense. Okay. Yep. So what that basically means for you is, yep, it's still up positive for the year, but rather than just sitting there watching that one and waiting for it to come back, I'm actually proposing to replace that option sooner rather than later. Yep. Yeah. Yeah.","start_word":1388,"end_word":1460,"sentiment":"neutral","sentiment_score":0.03570447117090225},{"text":"I'm I'm keen for that, mate. Yeah. Whatever you Cool. sort of recommend, mate, I'll be definitely happy with that.","start_word":1461,"end_word":1480,"sentiment":"positive","sentiment_score":0.5178629159927368},{"text":"Yep. I've already done some research with the investment committee, and we've got a few up our sleeves that we've been looking at. Yep. The only question I've got for you is you can basically choose between low fee funds, passive, that follows the market very, very closely, or you pay a bit higher fees to try and get a higher return. There's no wrong answer to this question. It just helps me whittle it down, but do you have a gut feeling on where you lean between the two? What's what sort of what what's been sort of, yeah, sort of performing better? Well, the funny thing about that is I've had some options that are pretty much neck and neck. So it really just about how it behaves. So you've currently got seven options that are passive low fee, one option that is a bit higher fees, that one's been underperforming. I can either switch it out like for like, or I can go something with a bit lower fees and better performance as well. Yeah. I was I was gonna, like, say, spinach, spinach, lunch one, please, mate. Yep. I'll give that a bit of a switch in for you.","start_word":1481,"end_word":1683,"sentiment":"neutral","sentiment_score":0.09394890888424344},{"text":"As usual, Yep.","start_word":1684,"end_word":1686,"sentiment":"positive","sentiment_score":0.3377736508846283},{"text":"I'll update your advice document and actually show you the differences between before you sign up on it. So just give me about a week or two just to put together some comparisons and get you booked in for that brief catch up with me. Yep. Yep. Yep.","start_word":1687,"end_word":1734,"sentiment":"neutral","sentiment_score":0.24808427691459656},{"text":"Sounds good.","start_word":1735,"end_word":1736,"sentiment":"positive","sentiment_score":0.46500730514526367},{"text":"Now the last couple of things I wanted to run on on your hub account is just in terms of the beneficiary. I don't see anything listed on there currently. Will you did you have someone in mind that we were trying to leave this purpose? Yeah. I was gonna do it for old missus, but we're not together anymore. So I'll probably if I can put I don't know.","start_word":1737,"end_word":1806,"sentiment":"neutral","sentiment_score":-0.08489680290222168},{"text":"I'll probably put more fucking old man on, I reckon.","start_word":1807,"end_word":1816,"sentiment":"negative","sentiment_score":-0.3713943064212799},{"text":"So So I've got a bit of an idea there. Previous partner was Colette. Yep. Yep. Okay. So I'm assuming you want me to take her off as your emergency contact with us. Yes, please. Yep. Sort that out. With the beneficiaries, so they're basically for financial dependence, like a spouse, children, any someone that you're looking after living with you kind of thing. You can do your old man in a sense, but you've got to kind of aim your super at your estate, like a will, and have, like, a will put in place. Okay. Yeah. I don't know. I I thought I think that that one was actually good. Yeah. No. That's alright. You have to think about it. I'll include the usual reminders in the advice document just about, like, hey. If you get a will sorted, you do a a kit at the post office for $25.","start_word":1817,"end_word":1968,"sentiment":"neutral","sentiment_score":0.058258532730274294},{"text":"We can aim the super in that direction.","start_word":1969,"end_word":1976,"sentiment":"positive","sentiment_score":0.4247277081012726},{"text":"And that way, you know, the will says wherever it goes. But the one that's a bit different, Yep.","start_word":1977,"end_word":1995,"sentiment":"neutral","sentiment_score":0.20967045426368713},{"text":"that's a bit easier for you is the life insurance.","start_word":1996,"end_word":2005,"sentiment":"positive","sentiment_score":0.3912342786788941},{"text":"So that can go anywhere because it's just a straight up life policy. You pass away, this person gets 290,000. Do you Yep. want me to nominate him for that one? Yes, please. Yep. Yes, please. Yep.","start_word":2006,"end_word":2042,"sentiment":"neutral","sentiment_score":0.21644741296768188},{"text":"Cool.","start_word":2043,"end_word":2043,"sentiment":"positive","sentiment_score":0.5549129843711853},{"text":"So what I'll do is I will get the team to send out beneficiary forms for Tal to update that with a bit Yep. of a cover letter with an explanation. Are you okay for us to email them to print them out, or would you want us to post them there with a return envelope?","start_word":2044,"end_word":2099,"sentiment":"neutral","sentiment_score":0.2232221961021423},{"text":"What's easy for you? If you can post it with a return envelope, mate, that'd be good.","start_word":2100,"end_word":2116,"sentiment":"positive","sentiment_score":0.40557748079299927},{"text":"Of course.","start_word":2117,"end_word":2118,"sentiment":"neutral","sentiment_score":0.27107855677604675},{"text":"Absolutely done. That'll come out there.","start_word":2119,"end_word":2124,"sentiment":"positive","sentiment_score":0.4657907485961914},{"text":"I would normally send you a hub beneficiary Yep. along with it, but I don't want you to accidentally put the wrong thing down. Do you want me to send it there while you give it a think, or do you want me to hold off on that until you've given it some thought? Maybe send that as well, mate. So Okay. you send that. So, yeah, if I do that, I might rate the state mode balance. Then put it in the Nathan's Nathan's or something like that. So if that does happen to me, they should got something to help her and what? Yep.","start_word":2125,"end_word":2230,"sentiment":"neutral","sentiment_score":0.14608757197856903},{"text":"Cool.","start_word":2231,"end_word":2231,"sentiment":"positive","sentiment_score":0.4354337453842163},{"text":"Alright. So I'll send both forms down. When you get them, just give us a buzz and we can kind of walk you through it a little bit, what your options are. Yep. For tel and hub.","start_word":2232,"end_word":2268,"sentiment":"neutral","sentiment_score":0.27721771597862244},{"text":"Easy done.","start_word":2269,"end_word":2270,"sentiment":"positive","sentiment_score":0.4199107587337494},{"text":"And the last thing is just with those insurances, so you've got one policy that you're paying for out of pocket that would just come out two weeks ago for, Yep. that's your trauma cover. So $50 for side effects, stroke, and cancer. That's set to a yearly premium. I just wanted to see, like, it's a 156. Was that okay? Is it is it jumped up too much for you? Are you okay to keep that one going? That yeah. So that's what I got. Yeah. Like you said, if I can't if I got cancer or injure myself or anything like that. Yeah. So the way it kind of steps out is, like, life insurance. Self explanatory. You pass away, there's a lump sum. Yep. PPD is if you can never work again, you know, you do get back and you're not going back to work, here's a lump sum, you know, pay up the mortgage or whatever it is. Yep. Income protection is like you're off work for six months because you're sick or injured and you need to keep the repayments going. And Yep. trauma is basically like you've had a heart attack. You might be straight back to work the next day, but here's $50 so you can go to, you know, the right specialist, take a bit of time to, you know, settle into things. But, Yep. yeah, it's heart attack, stroke, cancer. And because you've got the the plus version, it gives you every other diagnosable thing under the sun. Yep. Not to overcomplicate it, but the big one is heart attack stroke with cancer. This also does, like, deafness, blindness, organ failure, major burns, bacterial meningitis in your eye, like, a list of about fifty, seventy different things. Oh, yep. Yep. Yep. And No. so I'll I'll as long as that one's affordable.","start_word":2271,"end_word":2581,"sentiment":"neutral","sentiment_score":-0.04754212871193886},{"text":"yeah. That's fine, mate. Yeah. I'll be alright with that.","start_word":2582,"end_word":2591,"sentiment":"positive","sentiment_score":0.4762512445449829},{"text":"So the next anniversary, you'll get a notice in May of next year. And if it jumps up too much, just give us a bell and we can all alter it. But you pretty much, I believe, paid for the year already. Yep. Yes. Yeah. I have a 151 boxes for anyone for a 150<unk>. Yeah. Yep. Got about $1.05 6 here, so that should be Yep.","start_word":2592,"end_word":2660,"sentiment":"neutral","sentiment_score":0.08544929325580597},{"text":"good.","start_word":2660,"end_word":2661,"sentiment":"positive","sentiment_score":0.40857237577438354},{"text":"Yep. With the the life of TPD, the 290,000, we'll send that to the old man. Obviously, TPD is for you. Yep. Now it's pretty pretty low price policy you've got here, which is looking really good, but I just wanna double check, obviously, the purpose of it so I can note that on file. You don't have any debts that I can see of it at this time, but you are intending to, you know, build a property and so on. So are Yep. we just sort of keeping that for you know, if you can ever work again, here's a bit of a lump sum to get you by And also for when you do get a mortgage. Yep.","start_word":2661,"end_word":2782,"sentiment":"neutral","sentiment_score":0.12462928146123886},{"text":"Cool.","start_word":2782,"end_word":2783,"sentiment":"positive","sentiment_score":0.34644848108291626},{"text":"Last one. Absolute last one is just the income protection. So four week wait, if you're out of work for a month, it kicks in, pays you monthly for up to five years, Yep. and you've got 3,261 a month cover, Yep. which protects an income of about 56,000. Just bear in mind that if you're about to jump up, we may have to review that when you get the next role. Yep. Yep. 100 Yep. percent.","start_word":2783,"end_word":2860,"sentiment":"neutral","sentiment_score":0.08332867920398712},{"text":"Sounds good.","start_word":2860,"end_word":2862,"sentiment":"positive","sentiment_score":0.515708863735199},{"text":"The other thing too is if your next role is qualified, that may improve the cost as well. They may give you a better occupation rate. Okay. Yep. K? So if you're okay with that, what I basically wanna do is just update your your super portfolio over the next couple of weeks with you and sort out the beneficiaries. And then in a few months time, I was wanting to give you a buzz just to see if you got into that new role. I can maybe alter things and and sort that out in a few months time. Yep. No. That sounds good to me, mate. K. Would you prefer that in three months or just wait for Christmas time? What's easier for you? I know you're a busy man. Through Christmas time, mate, just get everything settled in and everything like that. Yep.","start_word":2862,"end_word":3006,"sentiment":"neutral","sentiment_score":0.10905720283245218},{"text":"Easy done.","start_word":3007,"end_word":3008,"sentiment":"positive","sentiment_score":0.3802816867828369},{"text":"Six months time, Christmas.","start_word":3009,"end_word":3012,"sentiment":"neutral","sentiment_score":0.2418806552886963},{"text":"We'll do the super in a couple of weeks, and that's easy done.","start_word":3013,"end_word":3025,"sentiment":"positive","sentiment_score":0.34696662425994873},{"text":"Any questions for me so far? Yep. Nah. Nah.","start_word":3026,"end_word":3034,"sentiment":"neutral","sentiment_score":0.0956384465098381},{"text":"Happy as well. Fantastic.","start_word":3035,"end_word":3038,"sentiment":"positive","sentiment_score":0.4776495397090912},{"text":"So that pack I've sent out to you, that includes all the reports for the super and the insurance, updated service guide with a lot of license info, privacy policy, as well as an updated service agreement as well. Just Yep. bear in mind, Sean, it's the exact same phase as last year, 1.65% spread throughout the year. But Yep. next year, we're bringing in a tiered structure to everyone above $200, which you are. They're gonna Yep. start getting some step down discounts next Oh, year. yes. Yes. Good to me. Cool. So I'll put this one through as is for now. In six months time, we'll sort the insurance out with a new job, and then next year's review will be on that new structure. Yep.","start_word":3039,"end_word":3166,"sentiment":"neutral","sentiment_score":0.15177305042743683},{"text":"Sounds perfect. Amazing, mate.","start_word":3167,"end_word":3170,"sentiment":"positive","sentiment_score":0.5661337375640869},{"text":"If you have any questions in between, give us a bell. If not, keep an ear out for the team in a couple of weeks when you get those beneficiaries and just for that portfolio update. Yep.","start_word":3171,"end_word":3207,"sentiment":"neutral","sentiment_score":0.17667393386363983},{"text":"Awesome, mate. Awesome. Awesome.","start_word":3208,"end_word":3211,"sentiment":"positive","sentiment_score":0.42969566583633423},{"text":"Anything I can do before I let you go? No. No. Happy days, mate. Definitely.","start_word":3212,"end_word":3226,"sentiment":"neutral","sentiment_score":0.1211497113108635},{"text":"Not all good with that.","start_word":3227,"end_word":3231,"sentiment":"negative","sentiment_score":-0.6395737528800964},{"text":"Alright.","start_word":3232,"end_word":3232,"sentiment":"neutral","sentiment_score":0.06025447696447373},{"text":"Sean, appreciate you taking the time today, mate, and Yep.","start_word":3233,"end_word":3242,"sentiment":"positive","sentiment_score":0.4906807839870453},{"text":"I shall talk to you in a couple of weeks. Yeah.","start_word":3243,"end_word":3253,"sentiment":"neutral","sentiment_score":0.2777028977870941},{"text":"Easy, mate. Appreciate it, mate. Have a good week. You too. Cheers.","start_word":3254,"end_word":3265,"sentiment":"positive","sentiment_score":0.6153960824012756},{"text":"Alright.","start_word":3266,"end_word":3266,"sentiment":"neutral","sentiment_score":0.30372846126556396},{"text":"Cheers, mate.","start_word":3267,"end_word":3268,"sentiment":"positive","sentiment_score":0.4708600044250488},{"text":"Yeah.","start_word":3269,"end_word":3269,"sentiment":"neutral","sentiment_score":0.24582549929618835}],"average":{"sentiment":"neutral","sentiment_score":0.07750215685398176}}}}